davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter regarding an inaccurate item on my credit report, and you did not respond. I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX because to my knowledge I do not recall this account. You advised in the past that you verified this information through XXXX XXXX and The Court House however that information was inaccurate. I provided verifiable proof that XXXX XXXX deleted this unverifiable bankruptcy on file and The Court House does not report public records to you. So that would mean this alleged bankruptcy is unverifiable and needs to be deleted from my credit report. Both of your sources do not have this information on file so that would mean you are lying to me when you stated in the past that this information has been verified as accurate.

I need this problem fixed ASAP. I will not wait another 45-60 days to receive no response because clearly you are ignoring me. I demand this account be deleted immediately or I will file for litigation due to the overwhelming stress you have caused me. Section 611 ( a ), it plainly states that failure to investigate this item within 30 days gives a reason to immediate remove this item from my credit report. It has been over 40 days so this item should be deleted promptly. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-11-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (PA)

ATM FRAUDULENT TRANSACTIONS XX/XX/21 XXXX XXXX  email notice to me from Wells Fargo reporting unusual activity on my ATM card and asking to contact them asap if charges were not legitimate. I I immediately logged into my Wells Fargo account and found, in Pending Charges, fraudulent withdrawals for {$1000.00}, {$500.00}, {$1000.00} and a fraudulent DEPOSIT of {$1000.00}. I reviewed these with XXXX during my first call to Claim Center. ( Subsequently, they have left on my account a fraudulent withdrawal of {$1000.00} and {$500.00}, as the fraudulent DEPOSIT cancelled the fraudulent withdrawal of {$1000.00}. I can no longer view the pending charges on my account as the two charges have been moved to approved. However, the final letter refers to all 4 transactions of {$2500.00} ) XX/XX/21 XXXX XXXX  email received that they had opened a claim because I had called right away to deny I made the transactions. I have spoken to 3 people at their claim center, XXXX, XXXX and XXXX. 
XX/XX/21 email received stating investigation was closed. Fraudulent charges are still included in my bank balance. 
XX/XX/21 I filed a police report DC # XXXX, with Officer XXXX of 3rd Precinct, XXXX County. I provided Officer XXXX with a list of all my ATM activity in XXXX and XXXX. There were only 2 retail, all others at Wells Fargo ATM. I also provided a photo of the location of the fraudulent withdrawal, and a photo of the ATM machine there, which is located inside the WF branch office. 
XX/XX/21 received a letter from Wells Fargo Claims Assistance saying I had made the transactions, which I did not. 
XX/XX/21 I filled a complaint with Pennsylvania Office of Attorney General. 

I have multiple accounts with Wells Fargo, all with healthy balances and there is no reason to suspect I would contest a legitimate withdrawal. In all the years of my checking account with WF ( 20-30 years during which the bank changed names multiple times ) I have never withdrawn more than {$300.00} cash. Why would they notify me of unusual transactions, then refuse to remove fraudulent charges?
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX is not reporting the correct outstanding Balance and Amount owed every Month or Bi-weekly and that is creating issues with my Credit Score which is not increasing and the Balance shown is Greater than what I owe. Contacted the Company several times but still they are not reporting that correctly to the Credit Bureaus and I am unable to Refinance my Auto Loan. Tried to resolve amicably with the Company but the Fraud still continues. 

Please see the attachment. Even though my outstanding balance is shown as {$12000.00} as on XXXX, after payment made on XXXX, the Credit Report shows an outstanding amount of {$13000.00} which is Fraudulent and an Offense under Anti-Trust Laws since the Credit Reporting Agencies are hand in glove and a tactics of 'Monopolization '. Kindly investigate thoroughly.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (FL)

Be Advised This is my XXXX attempt to fix this issue with Freedom Mortgage. In your correspondence dated XX/XX/22, you stated that you needed 30 days to review this matter. Maybe there is some miscommunication happening. I have given your company responsible amount of time to handle this situation. It is clear that you rather ignore my complaint against you and stall. 
I noticed some late payments posted on my consumer report. 
Freedom Mortgage Account XXXX XXXX Freedom Mortgage is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( XXXX ) XXXX XXXX and the person Freedom Mortgage is making the report is not INCLUDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company and XXXX clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 

Furthermore, under the Truth and Lending Act 15 USC 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. 

According to TILA a credit card is defined as 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

So, if XXXX is saying a Creditor may not treat a payment on a credit card my line of credit extend ( mortgage ) by means of my drivers license as late then how are you ( Freedom Mortgage ) reporting any late payments, that are being reflected onto my consumer report. 
I demand you delete this from all consumer reporting agencies immediately. 

XXXX XXXX mail Tracking # XXXX
Consumer complaint received 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My Loan servicer XXXX failed to acknowledge my documented financial hardship due to XXXX as I was unable to my my loans and was looking to reasonably defer them. Regardless, I had also moved and was trying to update my contact information to get status of my loans by mail, however upon attempt to contact by phone, nobody was able to review and change my loan information. My email address had changed because I no longer had access to my school email. As I was experiencing my hardship due to XXXX, the loans apparently defaulted and I had no way to access nor was I in any condition to deal with it due to XXXX. Now that they have defaulted, not only is the lender reflecting late payments but the reflection on my credit is a double reflection of default on both servicers, both the original, and the lender, which there should only be one or the other.
Consumer complaint received 2021-11-08
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. (AZ)

The home located at XXXX XXXX  XXXX XXXX XXXX AZ XXXX, was sold on XX/XX/2021 and the loan balance was paid in full to the mortgage originator XXXX XXXX ( Acct # XXXX ). Deed of release and reconveyance and paid in full letter attached. 

Somehow, the mortgage got transferred to XXXX XXXX  after the sale of the home and XXXX XXXX  has been reporting this account as delinquent ( 120 days past due ). I filed a credit review request with XXXX XXXX  and they sent me the attached letter saying that they can not update my credit report. I have contacted Experian and they say that XXXX XXXX has to report the correction even though I have submitted the documentation showing account closure. 

The mortgage was a joint account ( XXXX XXXX XXXX XXXX XXXX ). Experian removed the account my ( XXXX XXXX ) credit report, but has not removed it from my wife 's ( XXXX XXXX ) credit report.
Consumer complaint received 2021-02-11
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. (NJ)

WRONG NAME REPORTED ON CREDIT FILE - XXXX XXXX and XXXX XXXX WRONG ADDRESS REPORTED ON CREDIT FILE - XXXX XXXX XXXX XXXX, NJ XXXX AND XXXX XXXX XXXX XXXX, GA XXXX ) ALSO ( XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX )
Consumer complaint received 2019-11-13
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. (CA)

Called Experian file an dispute. The balance on my XXXX XXXX  account is XXXX. After the dispute result Experian said XXXX claim the balance is XXXX as of XX/XX/2019 this is not true. This has affected my credit rating very badly.
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

The home located at XXXX XXXX  XXXX XXXX XXXX AZ XXXX, was sold on XX/XX/2021 and the loan balance was paid in full to the mortgage originator XXXX XXXX ( Acct # XXXX ). Deed of release and reconveyance and paid in full letter attached. 

Somehow, the mortgage got transferred to XXXX XXXX  after the sale of the home and XXXX XXXX  has been reporting this account as delinquent ( 120 days past due ). I filed a credit review request with XXXX XXXX  and they sent me the attached letter saying that they can not update my credit report. I have contacted XXXX and they say that XXXX XXXX  has to report the correction even though I have submitted the documentation showing account closure. 

The mortgage was a joint account ( XXXX XXXX XXXX XXXX XXXX ). XXXX removed the account my ( XXXX XXXX ) credit report, but has not removed it from my wife 's ( XXXX XXXX ) credit report.
Consumer complaint received 2021-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (GA)

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-11-08
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. (OR)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2022-04-29
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Accounts # XXXX XXXX XXXX XXXX, # XXXX XXXX, # XXXX child support, # XXXX child support, 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.
Consumer complaint received 2021-11-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (LA)

Wells Fargo XXXX XXXX : XXXX FHA Case Number : XXXX Name on Account : XXXX XXXX Mortgage Address : XXXX XXXX XXXX XXXX XXXX, LA XXXX The following two partial claims recorded on my mortgage has never been subtracted from the mortgage balance to reflect the funds Wells Fargo Home Mortgage received from Hud : Partial Claim - {$7000.00} - XX/XX/XXXX - Hurricane Rita Partial Claim - {$7000.00} XX/XX/XXXX - Hamp Program I am requesting your help to have my mortgage balance updated by Wells Fargo Home Mortgage to reflect the funds they received from Hud.
Consumer complaint received 2022-04-29
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. (NV)

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 2021-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (CA)

I am having trouble with what should be simple - figuring out how much my monthly payment will be. 

They also applied a payment I made to the principal instead of the interest ( even though the payment checkout says payments are applied first to interest ) and I was never able to find anyone to talk to about this. 

My servicer, FedLoan, has an error message when I try to access repayment options/payment on their online portal saying " this information is not available. '' I try to email them ( once in XX/XX/2021 and once in XX/XX/2021 ). I try to go to the chat option to see if I can talk to someone and I have tried this maybe 30 times ( I check a few times a day for weeks ) and they have never had anyone available. I think the chat function does not really exist. 

So I try to call them ( almost 10 times ) during their business hours. The automated line does not even provide an option to speak to someone but I eventually figure it out by pressing 0. They never have a representative available and say they will call you back. When the call back rings, and I pick up, it " buzzes '' and then automatically hangs up. 

I also sent them a XXXX  message. 

I have yet to receive a response or speak to anyone about what my expected monthly payments will be. How am I supposed to know how to budget for it and when it is due?
Consumer complaint received 2021-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This company is currently showing 30 days late for the month of XXXX to XX/XX/XXXX. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 
CAPITAL ONE BANK XXXX XXXX ***** OpenedXX/XX/XXXXBalance {$960.00} Late open
Consumer complaint received 2021-11-08
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. (FL)

On XX/XX/2021 I sent a letter regarding an inaccurate item on my credit report, and you did not respond. I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX because to my knowledge I do not recall this account. You advised in the past that you verified this information through XXXX XXXX and The Court House however that information was inaccurate. I provided verifiable proof that XXXX XXXX deleted this unverifiable bankruptcy on file and The Court House does not report public records to you. So that would mean this alleged bankruptcy is unverifiable and needs to be deleted from my credit report. Both of your sources do not have this information on file so that would mean you are lying to me when you stated in the past that this information has been verified as accurate. 

I need this problem fixed ASAP. I will not wait another 45-60 days to receive no response because clearly you are ignoring me. I demand this account be deleted immediately or I will file for litigation due to the overwhelming stress you have caused me. Section 611 ( a ), it plainly states that failure to investigate this item within 30 days gives a reason to immediate remove this item from my credit report. It has been over 40 days so this item should be deleted promptly. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-01-23
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (OH)

Comenity Bank 's contract with XXXX expired XX/XX/19. Comenity closed all of their XXXX credit card accounts. I was late I admit a couple times and comenity kept adding extra fees to the account. I was making my monthly payments as agreed, but they were still charging interest and fees as if the account is still open, so the balance kept rising instead of going down. I contacted them and questioned it and by then the monthly payment was higher and I told her I couldn't afford what they were asking that I could pay my original {$25.00} mo. Long story short. My balance was under {$500.00} when my account was closed it is now {$730.00} and they want a min. of {$180.00} mo. due on a closed account so I couldn't pay it. I will be glad to pay what I owed when the account was closed. How can comenity close all of their accounts when their contract ended and charge you ridiculous fees? Its gouging the consumer.
Consumer complaint received 2024-03-17
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (AZ)

Subject : Dispute of Unlawful Reports on My Credit Report Dear [ Credit Bureau ], I am writing to dispute certain items on my credit report that I believe to be inaccurate and unlawful. Upon reviewing my credit report, I noticed discrepancies that are negatively impacting my creditworthiness. 

I request that you investigate these discrepancies and remove any inaccurate information from my credit report as soon as possible, in accordance with the Fair Credit Reporting Act. Additionally, I would like to receive a copy of my updated credit report once the investigation is complete. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX