davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-06
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (SC)

According to my credit reports ( XXXX, XXXX, XXXX ) it states that Wells Fargo reported an account in charged off status back in XXXX. I am aware that according to 7 CFR 1956.54 that a chargeoff is the writing off of a debt and the termination of collection activity. If the company indeed charged off the debt, I was supposed to be issued a 1099-C by XX/XX/XXXX of the following year which should have been XX/XX/XXXX of XXXX. Wells Fargo did not send the 1099C and continues to pursue collection activity on an account that they have already written off. Either the company is committing tax fraud or furnishing false and misleading information on my consumer reports. In a letter Dated XX/XX/XXXX from their education financial services department attached to this complaint you will see that the bottom clearly stated it is an attempt to collect a debt and that is highlighted in yellow. I am requesting a copy of the 1099-C on an account which they have changed the account number at least 2 times. All the proof of such is attached to this complaint. Im also requesting that if the account is indeed charged off, Wells Fargo provides proof that they sent out the 1099C if they claim that they indeed did. By proof I mean any certified mail bearing my wet signature as well as a tracking number for the documentation. I am unaware of the correct account number at this point but the 3 different ones that have used in connection with my account are as follows ( XXXX ; XXXX XXXX ; XXXX ). If the account is not being reported accurately, it needs to be removed from my credit profiles and Wells Fargo systems as well or I will have to report such activity to the IRS. I also want to know which account number was listed on the 1099C because it says the IRS encourages you to designate an account number for all Forms 1099-C that you file
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

This is my 5th attempt to get this matter handled. Experian is failing to update my credit report & is in violations of FCRA Sections 611, 616 & 617. I disputed a late payment with XXXX XXXX XXXX XXXX which the furnisher responded to me claiming they were correcting the issue. Experian has failed to update their records & has claimed it was verified. I submitted a letter which XXXX XXXX sent to me claiming they were correcting their records EXPERIAN is not updating this account & it's impacting my ability to get a loan. It is also creating a ton of emotional & physical stress because of all their antics to NOT comply with FCRA laws. I need to account update to closed/never late.
Consumer complaint received 2021-07-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Tower Loan of Mississippi, Inc. (LA)

During XXXX the covid 19 could not make a payment because everything was shout down they charged me late payment and i would like it to be remove and up date my account the dont send me no bill of my account what was paid it supoose to be paid out in full i made my last payment in XX/XX/XXXX of XXXX they did not put nonting on my account of being paid out
Consumer complaint received 2021-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

XX/XX/2020 a credit card from citibank Citi Cards was taken out with a limit of {$9100.00} and around {$8700.00} has been spent and has been a late payment. This is complete fraud I have nothing to do with this account Ive never used or opened up this credit card in my name. I put a Fraud alert on the credit report
Consumer complaint received 2017-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank sent me a credit card in XX/XX/XXXX that never arrived and was later used to make fraudulent purchases in XX/XX/XXXX. Chase closed the account when they detected the purchase as fraudulent but they have refused to remove the charges against me. I have tried contacting them multiple times without getting any action from them. I have also filed police reports in XXXX XXXX, California ( where I live ) and XXXX XXXX, NV where the fraudulent purchases were made. 

Timeline : XX/XX/XXXX Fraudulent purchase at XXXX XXXX in XXXX XXXX for {$25000.00} ( APPROVED ) XX/XX/XXXX Fraudulent purchase at SuperStore {$320.00} ( DECLINED ) Fraudulent purchase at XXXX XXXX {$25000.00} ( DECLINED, which later was APPROVED ) XX/XX/XXXX I called Chase Fraud Department and was told that credit card account was turned over to Chase Security Department XX/XX/XXXX I called Chase Security Department XX/XX/XXXX I called Chase Security Department I faxed letter to Chase I set credit freeze with XXXX I filed police report with the XXXX XXXX Sherriff 's Department. The case was subsequently, turned over to XXXX XXXX Police Department. 

XX/XX/XXXX I called Chase Fraud Department and was told to call Chase Security Department next week XX/XX/XXXX I called Chase Security Department. Found out that Chase sent two cards, 1 in XXXX and another one in XXXX. I never requested for these cards. The card sent out in XXXX was received but the card sent out in XXXX was never received. 

XX/XX/XXXX I called Chase Security Department and was told that the case was still pending and no results until 10 days later. Someone was supposed to call back after 10 days but no one did. 

XX/XX/XXXX I faxed second letter to Chase XX/XX/XXXX Chase Dispute Department called. Case was still pending XX/XX/XXXX I called Chase Security Department and they were going to escalate the issue XX/XX/XXXX I called Chase Security Department. They would call me back in two days but no one did. 

XX/XX/XXXX I called Chase Security Department, was transferred to Dispute Department and then transfered back to Security Department. I asked to speak with a supervisor but no one was available. I was told that the case was still pending and it would take them 10 days to investigate, XX/XX/XXXX XXXX from Chase Lending Department called and informed me that I am still liable for the charges.
Consumer complaint received 2020-07-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

Sent in XXXX payment with extra principal payment, instead of applying all the extra payment to the principal they applied some of it to a future payment that was not due and did not reflect the correct amount left on my mortgage balance, essentially leaving my payment in limbo to be used however Wells Fargo would like to do with the funds.
Consumer complaint received 2018-02-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (LA)

I filed bankruptcy. Bankruptcy was paid in full 6 months ago. Now my mortgage company says it did not cover the deficit. I do not know how. They well fargo got XXXX From a lawsuit from the bankruptcy. Now they are putting me on a payment plan. Which raises me up to a full 30 years. They are raising my intrest rate. Not offering me the tha plans that are out there. Loan number XXXX. What can I do or get done about this. They have already don illegal stuff as is. I am now getting somewhat reimbursed from a class action lawsuit.
Consumer complaint received 2018-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc. (CA)

I have XXXX debt in my life. I have always paid all my bills on time and in full. i checked my credit as well, and I'm clear. And no letters in the mail. And all of a sudden, the past 3 weeks, I am receiving a call everyday from united collection bureau from # XXXX. And they say to call XXXX. They never say my name or specifics. Scam! Please help me to get them to stop!
Consumer complaint received 2021-07-05
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: Experian Information Solutions Inc. (TX)

To someone in a position of authority, I am making a formal complaint because XXXX XXXX XXXX has placed information on my report without my consent, and without validating the debt. I reached out to this company over 4 months ago and I still have not received a response. I informed them that they were violating 15 U.S.C. 1681a ( 2 ) ( B ) as they were supposed to exclude information from my report that was authorized by a credit card. I informed them of this violation and they have not responded to my correspondence. Additionally, I asked them to validate the debt they are reporting on my consumer report with Experian ; I made a formal complaint with Experian, XXXX XXXX XXXX, and XXXX and they all failed to show proof that this debt that they are reporting belongs to me. Because they failed to validate the debt with sufficient proof, they are in Violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. If I continue to be ignored about this matter I will proceed to seek litigation and remedy for {$1000.00} per violation for defamation of character, Negligent Enablement of Identity Fraud, and Violations of 15 U.S.C 1692g. I demand these accounts be deleted from my experian report within 5 days, or I will move forward with litigation and remedy. I also demand that that an updated report be mailed to me. Any actions taken to hinder my consumer report will also result in me seeking litigation and remedy. Thank you.
Consumer complaint received 2022-08-09
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. (IL)

Equifax has violated my Federally Protected Consumer Rights by furnishing inaccurate information on my consumer report without my consent. 
Equifax, did not exercise their grave responsibilities. 
They were unfair, partial and did not respect my rights to privacy. I never instructed Equifax to furnish this report or create this report, I NEVER CONSENTED TO THIS REPORT IN THE FIRST PLACE.
Consumer complaint received 2020-11-27
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (MI)

I leased a XXXX XXXX XXXX with GM Financial in XX/XX/XXXX0f XX/XX/XXXX. The account number was XXXX. Not even ( 2 ) weeks later XXXX XXXX, swapped out the vehicle on that lease for a new XXXX XXXX because the original was a lemon. The new account number is XXXX. From the time that I signed the lease paperwork for the 2nd XXXX XXXX  up until XX/XX/XXXX, I made ( 5 ) payments. Then all of the sudden GM Financial had issues with something that XXXX XXXX did or did not do. GM Financial obtained my XXXX XXXX credit report by pulling a hard inquiry without my OK on XX/XX/XXXX. That inquiry is still there. They seemed to have fixed the issue with the ( 2 ) accounts. But NOW THEY ARE SAYING THAT I HAVE A PAYMENT DUE on XX/XX/XXXX. I am PAID ON MY ACCOUNT UNTIL XX/XX/XXXX. As stated above, I made ( 5 ) payments! GM Financial needs to find the 5th payment, because they got my money, and apply it to my account BEFORE the account shows as past due.
Consumer complaint received 2019-02-19
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: EQUIFAX, INC. (IL)

From XXXX, I was able to obtain my credit reports from XXXX and XXXX. Equifax claimed they could not deliver my report online and needed further information, which leads me to believe they have fraudulent information. They were unable to provide the report electronically today via several phone calls to their regular customer service line and Global Consumer Care team. It is vital that I receive this report today, as someone has fraudulently opened a XXXX account in my name and purchased two phones, for which I received the bill yesterday. It is unacceptable that I am not able to receive my report from Equifax in a timely manner ( mail in a copy of my W2 and other sensitive information, when USPS has been unreliable?! ), as my identity has clearly been used fraudulently and I potentially have other issues to resolve.

Additionally, on two separate calls, they tried to SELL me either a credit protection service, or to get me to PAY for my credit report, both of which are appalling responses for someone trying to obtain their credit report during a stressful event such as identity theft.
Consumer complaint received 2021-01-25
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. (AL)

I've contacted Equifax numerous times about a credit card that was incorrect on my credit report. I was ( without my knowledge ) added as an authorized user on the credit card which had two late payments in 2019. Both XXXX  and XXXX  have both removed the account from my report, but despite multiple attempts ... the account remains on my Equifax report. 
Equifax even asked if I had any supporting documentation ... to which I replied : How would I have any supporting documentation? This was not my account. I've never received a bill, card, or any other info. I only knew about it from it showing up on my credit report when I was working on getting a loan. 
This is, in my opinion, a failure by Equifax to follow the dispute process that a consumer should be allowed and furthermore poor service of their duties to accurately report information.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am a victim of identity theft. I have lots of inquires on my credit that I did not authorize nor did I know about. These inquiries are affecting my score in a negative way. I lost my wallet last year which had my drivers license, social security card in it. I have 2 credit cards one is XXXX XXXX and the other is old nave which I am a authorized user for the XXXX  XXXX. My score was in the 700 's now it is in the high 600 's. Remove these immediately! I do not own a home, I do not own a car. The inquires in dispute are : XXXX XXXX/XXXX Inquiry : XXXX XXXX, 2017 + Supermarkets XXXX/XXXX Inquiry : XXXX XXXX, 2017 +  Complete Dept. Stores XXXX Inquiry : XXXX XXXX, 2017 + Personal Loans Cos. 
XXXX XXXX Inquiry : XXXX XXXX, 2017 + All Banks XXXX Inquiry : XXXX XXXX, 2017 + National Credit Card Cos.
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Paypal Holdings, Inc (NY)

On XX/XX/30 I tried to pay an invoice I received through XXXX when I reset my password because I was unable to access this account, I found out the account was in somebody else name with fake address and dont know what else fake info used. XXXX let someone else use my email to access my account without a minimum security step.
Consumer complaint received 2021-07-20
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: Medical Data Systems, Inc. (GA)

Im writing this letter to dispute the following accounts : This agency is in violation of 15 U.S.C. 1682 ( g ). They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debit. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of 15 U.S.C. 1692 ( g )
Consumer complaint received 2021-08-13
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION (MD)

Section 4021 of the Cares Act amends Section 623 ( a ) ( 1 ). of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ). Now, a furnisher of data to the consumer reporting agencies that allows its customers to defer payments, make partial payments, modify credit terms, or make other arrangements for its customers affected Covid-19 should not report the account as delinquent, but should continue reporting it as current, unless the account was delinquent before the Covid-19 related deferral or modification, and has not been subsequently brought current. These new reporting requirements are retroactive to XX/XX/2020. I have late payments on my credit report, I want removed because I am a victim of Covid-19 and legally Regions should not have them there.
Consumer complaint received 2018-07-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (OH)

I have a a unverified account from XXXX XXXX XXXX   # XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX # XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX # XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An  itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX # XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2017-11-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MO)

My house payment is due on the 1st of each month with a 15 day grace period. The month of XXXX  2017 my payment will not be made until the 14th. I spoke with an operator on the 7th and told her my payment would be made on the 14th due to the way pay periods fall for me this month. Later that day my wife received a phone call and I received another call when I was on my way home from work. The following day I received two more calls and informed the operator I already spoke with someone about the payment. I received another call on the 9th at XXXX a.m. This is absolutely harassing and I want it stopped. There is no reason for it and my mortgage is not in default and I have not even exceeded the grace period.
Consumer complaint received 2021-09-03
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: Experian Information Solutions Inc. (IL)

Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 60 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 60 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.
Consumer complaint received 2020-10-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Me, along with MANY other people are having a problem where the California XXXX and Bank of America fraud systems wrongfully marked tons of people 's bank accounts as fraudulent and subsequently froze them. My account was unfrozen after a few days but the bank has taken back thousands of dollars that were given to me as reimbursement from ACTUAL fraud that happened months ago! Now my ( along with many other people 's ) account is in the negatives and the bank still hasn't given back out money due to this fraud system error. It almost impossible to reach anyone from California XXXX or Bank of America ( probably because this is happening to many people ) but there is no action being taken!! Some people still have their accounts frozen! All of this is because of the fraud systems being faulty and failure to secure our cards from Bank of America! Now many people are suffering with accounts in the negatives and no help!
Consumer complaint received 2020-11-27
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. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.