davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AK)

Prior to opting to put my loan in forbearance, I contacted Wells Fargo to verify that the payments would, in fact, simply be added to the end of my loan and that I would NOT have the deferred amount called due all at once. 

On XX/XX/XXXX I received an email from a " Home Preservation Specialist '' at Wells Fargo that they were " reviewing my documents '' I had not submitted any documents and contacted Wells Fargo by phone to determine what the email was about ( this person did not respond to voicemails or email so I contacted the next available representative, I was told I needed to talk with Ms. XXXX directly ). I emailed her on XX/XX/XXXX stating that I was trying to pay the mortgage payment and bring the loan out of forbearance but that I wanted to make sure I was going about it the right way. 

On XX/XX/XXXX I was able to get the situation escalated to the executive mortgage department and was assigned a case number, I did receive some follow up through the process notifying me that there would be some delays. In the meantime I was receiving packages appearing to need to qualify for the forbearance I had already been given. 

I have now received a letter dated XX/XX/XXXX that states that I was, in fact, given incorrect information by the Wells Fargo representative I spoke to on XX/XX/XXXX but that as the servicer, there is nothing Wells Fargo can do and instructing me to apply through them for approval for a loan modification or bring the total amount of {$12000.00} in to bring the account current. 

I would not have elected to go into forbearance had I not been given misinformation, and will also not likely qualify for the adjustment as my XXXX tax returns will not show impact from the pandemic and that is what would be used to " qualify '' for the modification. I was also not informed in any way that by going in to forbearance I would eliminate my ability to refinance my mortgage, which I now know I can not do due to " payments not being made on time for 12 consecutive months ''.
Consumer complaint received 2024-02-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MOHELA (CA)

I hope this message finds you well. I'm writing to address an issue with my student loan account managed by the Department of Education. Recently, I noticed discrepancies in how my payment history is being reported. Despite our agreement for my account to show as " open '' and " never late, '' my credit report indicates otherwise. MOHELA/DEPT OF ED XXXX
Consumer complaint received 2022-04-26
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: EQUIFAX, INC. (GA)

Please validate the alleged debt and inquiries. Please do not send " verified response as that is not a validation of debt and the inquires. 
Please validate the debt and inquiries by : Providing me a copy of when I sent a written permissible purpose to validate the inquiries. Please provide a audit trail for the accounts and inquiries below. 

SEND TO ME EVERY DOCUMENT PERTAINING TO THE ACCOUNTS BELOW THAT YOUR AGENCY USED TO VALIDATE THE DEBT. 

If every piece of documentation can not be provided the accounts and inquiries must be removed from my report immediately. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Credit Card account # XXXX XXXX XXXX XXXX with a balance of XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-23
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. (NY)

THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT ANS HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.
Consumer complaint received 2021-10-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (FL)

I purchased a new car XXXX  account # XXXX XXXX. Just before the pandemic, I payed them on time every month and never missed a payment. I lost my job and used my savings account to pay my debts. I called them in more than 4 occasions to negotiate the terms and they said no. 
When I had a health problem I called them again and they make the notations an still no one listened. I When to different banks to refinance they all told me the car is XXXX down.. I called them to dispute the payment and went back to the dealership and they tried to put me in another car with higher price. So I told them I a returning the car volunteerly now they want me to pay them {$13000.00} that I don't have the already mess up my credit
Consumer complaint received 2021-05-24
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. (IN)

Those elaborate mechanisms congress mention in 15 U.S.C 1681 are causing me great stress by reporting inaccurate and unverifiable accounts { XXXX XXXX } on my reports. I have been sending disputes in for over a year. XXXX finally removed the accounts, XXXX and EQUIFAX failed to do the same. Im learning that I have been taking advantage of and I am seeking litigation.
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NJ)

Since XXXX of 2020 I have had repeated problems accessing my credit report. I received an email again today indicating I could access an updated version of my credit report but the link sends me to a login tht if successful lands you to a page that does nothing but list options that no matter how manhy times you click those options you go no where. Experian is trying to steerpeople to use cell phones only to access their data which does not enable you to download a copy of your report much less easily file a dispute about an error on you report. This needs to be corrected ASAP. thank you.
Consumer complaint received 2020-05-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CO)

I opened a PayPal account in order to send and receive money online. I was able to process online transactions for payment, but PayPal said I had red flags to resolve on my account, and that I needed proof of address. 
I sent them a copy of my bank statement, to show proof of address. 
I was then sent money from another PayPal account, and PayPal will not give me that money. It was not deposited into my account, I can not access it. The sender has already had it deducted from their bank account and can not resend it to me or send it to me any other way. 
PayPal has my money, and will not give me access to it.
Consumer complaint received 2021-06-06
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I have reviewed a copy of my credit report and I show company DISCOVERBANK account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2020-02-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched *FTC ID THEFT report case XXXX See attatched *CRIMINAL INVESTIGATION letter of XX/XX/XXXX PROOF DELIVERIES NOT MADE XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Fl XXXX MY ADDRESS XX/XX/XXXX. * USAA  CONFIRMS NO ID THEFT OCCURRED. I filed IDTheft, as is MY RIGHT, using the FTC web ftc.gov ID Theft Guidelines. You can view this on line, USAA. FTC web ( Our AUTHORITIES ) Under Disputing Credit Card Charges ( FCBA ) under billing errors CLEARLY STATES. ( *UNAUTHORIZED CHARGES ) * I have definitly had.. AND ( ** CHARGES FOR GOODS & SERVICES YOU DIDN'T ACCEPT OR THAT ** WEREN'T DELIVERED AS AGREED. ) I had also. USAA these are the guidelines I used in submitting this ID Theft Report. WHAT GUIDELINES ARE YOU FOLLOWING CONFIRMING IT IS NOT ID THEFT?
Consumer complaint received 2024-03-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Commencing on or about XX/XX/2021, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX XXXX from my XXXX account to Coinbase at the instructions of the scammers. 
In providing its services, financial institutions as registered and licensed Payment Service Providers, are required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is scammer or is involved in potentially fraudulent activity. 
The scammers wallet on Coinbase is : XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

XXXX  credit card not mine, dont know who they are. Opened XX/XX/year> never paid {$350.00} XXXX/XXXX  opened XX/XX/year> owed {$1400.00} Capital one opened XX/XX/year> owed {$590.00} These do not belong to me all my other cards were paid off and on time
Consumer complaint received 2021-05-02
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: Experian Information Solutions Inc. (FL)

Everything on this credit report from experian and XXXX XXXX is false. Multiple times Ive diputed the multiple miss spelled names on my credit report because I have not ever used them to apply for items or products. They have inquiries Ive never even heard of and it's funny how everything that's on the report was done in XXXX and XXXX. Now just recently they have been hacked again for people information.
Consumer complaint received 2021-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (CA)

I received a Collection Notice from Franklin Collection Service regarding an unpaid Debt for XXXX for {$250.00}. 

I have never had an account with XXXX ever in my life. I have always had XXXX for my cable and Wifi Services. 

I sent them a certified letter on XX/XX/2021 stating that I have never had an account with XXXX, and this is not my debt. 

Today I was informed that my credit score dropped 32 points from XXXX to XXXX.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Please be advised my credit report contains information that does not pertain to me. I had sent a formal written request to all 3 major credit bureaus on or about XX/XX/2020. I was seeking the deletion or modification of erroneous and inaccurate information contained in my credit file and reported by the credit bureaus as per the Fair Credit Reporting Act 15 U.S.C. 1681 et seq. I had requested a response in a timely manner, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), and no later than 15 days thereafter, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( c ). Unfortunately it has been months and I have not received a formal written response back from XXXX, TransUnion or XXXX  about my disputes. However, I know that all three bureaus received my request because I tracked my letters using certified mail.
Consumer complaint received 2021-06-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Credit Management has used scare tactics and left numerous phone messages and texts stating " I have only one hour to respond ... Legal action was in force,,, possible jail time ... taking of personal property '' messages like this on a daily basis. I am also due a court date XX/XX/XXXX via XXXX. but I only live on social security check, unable to work, health issues, dont even have a car. They have scared me thinking they are coming to my house to scare me or hurt me. I am in fear. I am a senior citizen at XXXX and have health problems and financial indigent. The phone numbers they call and text and leave messages are : XXXX, XXXX, XXXX. XXXX, XXXX. I have called for free legal aid for assistance. But the harassments continues no matter what I do. I am in fear over {$1800.00} debt. Midland credit management has made me lose sleep and XXXX and scared to go outside in fear of someone hurting me. This is a crazy world now and I do not know what people are capable of. I block the numbers but they find other numbers to call and the phone is actually my son 's phone that he is letting me use. Its not even my phone. What can I do to stop this series of scare tactics that are actually causing me more physical and emotional distress over {$1800.00} that I cant pay, and dont have any personal assets or job and health issues are even more because of this harassment. Please Help Me! 
Sincere Blessings XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2018 Experian is reported a negative collection account on my credit report. Experian is the only credit bureau reporting this account on my report. According to the fair issac all three credit bureaus have to have accurate reporting on all three of my credit reports. This is a violation and this negative account needs to be Deleted.
Consumer complaint received 2021-01-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Date of dispute- XX/XX/XXXX ATM at Wells Fargo ATM , XXXX XXXX , XXXX Ca. 

I tried to withdraw cash from my Savings account for {$200.00} and {$150.00} from my Checking account,. All of which DID NOT disperse any funds. I knew that I had the funds in there but did not know why the transaction would not go through. After several attempts the machine closed up said " suspicious activity '' and cancelled the transaction and gave my card back without a receipt or any cash. 
After arriving home I received a Text from wells Fargo asking me if I recognized this activity and I said yes but I did not receive any funds. I called again the following morning and told the gentleman what had happened and he said he saw the problem and would take care of it. I then received an email from Wells Fargo Saying the transactions were declined and I would not be charged. The {$150.00} from my checking was taken off but not the {$200.00} from Savings. When I inquired about the credit they said no, the ATM had dis burst the funds. If this were true why would they send me the an email stating that the transactions have been declined! 
I have now been battling this for all these months now, being bounced from one department to another, another telephone number to start all over from the beginning only to be told that is a different department. I even made an appointment with a banker in XXXX.XXXX, she was wonderful and so patient. She looked over my documents and made a report. Still no letter of explanation. Then finally XXXX, XXXX I get a letter from ATM Claims.But my questions are still not answered. This has been so stressful, I have lost sleep and gotten so frustrated over and over again. I DID NOT RECEIVE ANY FUNDS XXXX!!!
Consumer complaint received 2021-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (IL)

Lexis nexus has yet to remove both bankruptcies of my consumer report and it has been well over the FCRA investigation period which should have been 30 days now is going on two months. each time I call Lexis nexus they tell me a special unit is handing my case and they'll give me a call back and I still have yet to receive a call from them. my first initial dispute was back in XX/XX/2020 and I uploaded documents showing from the court house stating that they did not give lexis nexus any information regarding any bankruptcy of mines. this is a violation of 15 USC 1692 ( a ) infringement of the right to a consumers right to privacy. this is a result of identity theft, I have never signed any contact with lexis nexus and told them to report any information pertaining to my life which has been harmful to my reputation now pursuant to 15 USC 1681 ( a ) ( 2 ). I demand these bankruptcy to be deleted immediately because this is in fact in litigation.
Consumer complaint received 2021-08-20
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)

My name is XXXX XXXX, 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 2020-02-17
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: Experian Information Solutions Inc. (VA)

After recently being informed that a personal loan applied for was rejected, I visited XXXX XXXX on XX/XX/XXXX to order this year 's free credit reports. As has been the case over the last 2 years, all reports requested were received w/o incident except for Experian. The following CFPB Complaints have been filed over the last 3 years to address this problem : XXXX XXXX XXXX XXXX Credit reporting Unable to get your credit report or credit score EXPERIAN XX/XX/XXXX Closed Feedback provided XXXX XXXX XXXX XXXX Other personal consumer report Improper use of your report EXPERIAN XX/XX/XXXX Closed Feedback provided Although Experian promised to mail the requested report in its XX/XX/XXXX response to the above complaint, it was never received. Since my XX/XX/XXXX and XX/XX/XXXX online requests for my Experian Credit Report involved many of the same problems documented in the above CFPB Complaint, Experian has done little to address the concern. 

While successful in ordering the report via telephone, I'm also yet to receive my XXXX free annual credit report from Experian. Although the CFPB was copied on the attached XX/XX/XXXX letter request for my XXXX Experian Credit Report, I'm yet to receive it. 

Given Experian 's lack of compliance w/ requests for my free annual credit report, I pray that the CPFP will refrain from Closing this complaint w/o proper follow up and/or confirmation that the outstanding credit report requests have been cared for.
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 — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

I have contacted all three bureaus in reference to the inaccurate info XX/XX/XXXX and I have been very patient with the bureaus. It has impacted my credit score as well as my interest rates on my loans and credit cards. I have also requested that it be removed or corrected and it has not been done as of XX/XX/XXXX. This has been a very overwhelming issue.
Consumer complaint received 2022-04-26
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. (IL)

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. 
XXXX XXXX XXXX XXXX, has violated my rights. 

LIST ALL ACCOUNTS HERE : XXXXXXXX XXXX XXXX XXXXXXXX XXXX. XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. DEPTEDXXXX  - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX. XXXX XXXX XXXX XXXX - XXXX * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file.

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 an 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.