davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, XXXX XXXX from XXXX contacted me regarding my complaint I filed with the CBPB. My house was wrongfully foreclosed and I am asking XXXX to rescind the sale. She said she would fully review my loan file. Everyone who has reviewed my loan file has found no wrongdoing, when I know violations have taken place, but they do not care. After I mentioned the denials of my loan modifications her answered was that I had been in default for too long. A closer look at my file would have show the history of me trying to prevent further default. I offered XXXX dollars to partially cure a debt of XXXX dollars back in XX/XX/XXXX. The servicer refused to accept my money instead I was led to believe that I was going to receive a loan modification because I had a pick a payment loan. This did not happen instead I was put into a non-ending loan modification process and then the WFHM blamed the US TREASURE for the loan modification denials as NEGATIVE NET PRESENT VALUE. I COULD NOT APPEAL THE DATA INPUT ON THE XXXX. XXXX  made it sound like it was the fault of the government for not being approved. the investor was WELLS FARGO and under their in house loan modification it did not mentioned anything regarding negative net present value. the XXXX Had to be 31 % or higher and for years until a few weeks ago that I did some tables for some of the loan modification denials I realized that I had 31 % and higher and that I could have been approved, the problem was that my house from my family had equity and it was the equity that made it more beneficial for the investor XXXX XXXX XXXX, XXXX to foreclose than to assist me obtain a loan modification a long time ago. 

In XX/XX/XXXX, the trustee used the XXXX from XX/XX/XXXX which has robo signer and a false declaration of compliance under penalty of perjury and lying to the consumer that they were obeying the law. I was told by XXXX that there was no need to record a new XXXX and they used the old one from XX/XX/XXXXto foreclose my home. WHAT HAPPENED TO THE CALIFORNIA HOMEOWNER 'S BILLS OF RIGHTS. WFHM HAS VIOLATED AND HAS USED THE LAW TO PRETEND THEY ARE OBEYING THE LAWS THAT WERE SET TO PROTECT US. IN THE PAST THE CFPB ONLY has collected data from homeowners, but to this day has not accomplished the prevention of fraud and removing us from our homes when we can afford our payments and we are willing to remain in our homes. I HAD A LOAN FOR XXXX AND A VALUE OF XXXX WHEN I TOOK OVER THE LOAN FROM MY FAMILY. THIS WAS A REFINANCE NO CASH OUT PICK A PAYMENT LOAN. I LOST EQUITY AND MY HEALTH TRYING TO PREVENT THIS WFHM CRIMINAL INTERPRISE FROM TAKING MY HOME FROM ME AND MY CHILDREN. THANK YOU, XXXX XXXX
Consumer complaint received 2021-09-22
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: NCB Management Services Inc. (SC)

Upon pulling my consumer financial report I discover that there is information that is deemed to be fraudulently reporting from this company. On XX/XX/2021 I sent certified mailing informing them of these fraudulent actions. I have discovered that this debt collector Pursuant to 15 USC 1692 ( a ) have violated my privacy completely. I did not provide this debt collector with direct consent that they could contact me via mail or any other communication which is required pursuant to 15 USC 1692c ( a ). When looking at the amount owed on my consumer credit report pursuant to 15 USC 1692e ( 2 ) ( a ) the character and the amount is misleading to the amount, reporting on my report is of a positive balance which is a misrepresentation. This company also seems to have committed identity theft due to myself never doing business with them about this matter and purchasing my information concerning me as a consumer in order to collect on a debt pursuant to 15 USC 1692e ( 10 ). I did not provide this debt collector with direct consent that they could contact me via mail or any other communication which is required pursuant to 15 USC 1692c ( a ). I notice that this company showing on my consumer report as a charge off which is also a violation pursuant to 15 USC 1692e ( 12 ) and has damaged my reputation and have also hindered me to obtain certain jobs due to being present on my consumer report. I have attached documentation that I have sent to this company concerning this matter.
Consumer complaint received 2018-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NV)

An account ( XXXX XXXX XXXX ) that has been investigated and deleted by XXXX and XXXX is still being reported by Experian, after disputing multiple times on XX/XX/2018, XX/XX/2018, XX/XX/2018, & XX/XX/2018 and never receiving a response I've decided that a complaint is necessary. This account is inaccurate and falsely reporting the wrong address and date and I've sent documents supporting the inaccuracies and requested for proof or validations of the account and I've never received anything back from Experian because of this the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file according to the FCRA and has been removed from my credit report held by XXXX and XXXX I am requesting that Experian follow the FCRA Guidelines and the item be deleted. Please follow suit and delete this account for accurate reporting as soon as possible.
Consumer complaint received 2021-09-22
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: Financial Data Systems (SC)

Upon pulling my consumer financial report I discover that there is information that is deemed to be fraudulently reporting from this company. On XX/XX/2021 I sent certified mailing informing them of these fraudulent actions. I have discovered that this debt collector Pursuant to 15 USC 1692 ( a ) have violated my privacy completely. I did not provide this debt collector with direct consent that they could contact me via mail or any other communication which is required pursuant to 15 USC 1692c ( a ). When looking at the amount owed on my consumer credit report pursuant to 15 USC 1692e ( 2 ) ( a ) the character and the amount is misleading to the amount, reporting on my report is of a positive balance which is a misrepresentation. This company also seems to have committed identity theft due to myself never doing business with them about this matter and purchasing my information concerning me as a consumer in order to collect on a debt pursuant to 15 USC 1692e ( 10 ). I did not provide this debt collector with direct consent that they could contact me via mail or any other communication which is required pursuant to 15 USC 1692c ( a ). I notice that this company showing on my consumer report as a charge off which is also a violation pursuant to 15 USC 1692e ( 12 ) and has damaged my reputation and have also hindered me to obtain certain jobs due to being present on my consumer report. This company is showing 2 separate accounts on my consumer report I have attached documentation that I have sent to this company concerning this matter.
Consumer complaint received 2020-10-25
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NV)

Specialized loan servicing, services my loan. 

XX/XX/20 I requested and was granted the forbearance plan on my loan, end date XX/XX/20. 

XX/XX/20 I received a letter from SLS about my Forbearance plan. It didn't reflect the Cares Act passed by XXXX. 

XX/XX/20 I requested and received an extension on the forbearance plan, end date XX/XX/20. 

XX/XX/20 I received a letter from SLS about the forbearance plan. It didn't reflect the Cares Act passed by XXXX. 

XX/XX/20 I received a letter confirming who the current note holder are on my loan. 

XX/XX/20 I requested ( by letter ) that my Forbearance plan reflect the terms and conditions as the Cares Act passed by XXXX on XX/XX/20. 

XX/XX/20 I received a letter from SLS stating only that " The account is currently participating in a forbearance plan ''. 

XX/XX/20 I received a letter with instructions for " Mortgage Assistance '' I also received a letter with a " Relationship Manager '', XXXX, Teller ID ( XXXX ) I also received a letter with possible options. Including but not limited to : Refi with another lender Loan Mod Repayment plan None of which properly answered my request. 

XX/XX/20 I received a call from SLS stating that my Forbearance plan has been extended until XX/XX/20
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

On XX/XX/2021 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. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-11-29
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. (NY)

I requested an investigation in regards to the reporting of some accounts listed on my credit report to all three credit bureaus. On XX/XX/2020, I provided proof that 3 out of the 6 accounts were deemed unverifiable by XXXX, therefore were deleted from my credit report, I proceeded with issuing a follow suit letter to the remaining 2 credit bureaus that somehow were " able to verify '' such accounts. On XX/XX/2020, I received in the mail on behalf of one of the companies in which XXXX  deemed unverifiable requesting additional information in order to conduct an investigation and yet 2 days later, I received a letter on behalf of Experian indicating that the accounts in question were deemed verified on their behalf. How is this possible when I am being asked to verify my own information when it should be the responsibility of the credit bureau to verify that the correct information is being reported? 

On XX/XX/2020, I sent out a method of verification, again, requesting for the method of validation on these accounts to be provided to me and yet I am still waiting on these documents to be provided to me as I continue to received nothing but " verified as accurate '' as a response to my request. What exactly is accurate?
Consumer complaint received 2023-01-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (MO)

I was told if I paid XXXX my account would be current. I paid the amount and continued making my payments as normal. 

XXXX now says that I should have paid XXXX more than I was told to bring my account current. 

The two agents that told me the XXXX would bring my account current were not correct.
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Summit AmeriFirst Holdings, Inc. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXXXXXX XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-09-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ZARVAD III S.A. (LA)

I got a loan for {$700.00} 0n XX/XX/2020 and now they want me to pay {$1300.00} back and which I tried to make payment but it got to the point where I could no longer make any more payment. Now they calling me with threatening phone calls stating they have file papers on my at the courthouse. They calling and harassing people that I don't know or associate with.
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

Failed to respond to my disputes. I have been sending in disputes for 4 months, and I still have not gotten a response. The Credit Reporting Agencies are not following the law. My credit file is important to me. Please!!!
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Failed to respond to my disputes. I have been sending in disputes for 4 months, and I still have not gotten a response. The Credit Reporting Agencies are not following the law. My credit file is important to me. Please!!!
Consumer complaint received 2020-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have been a Bank of America Visa card holder for 16 years. I always pay on time and have excellent credit. I also have a large credit limit with them. I have put trips and weddings on this card. I paid this card off in XXXX but kept a small ongoing monthly charge to make sure I kept it open. In XXXX of XXXX, I uncovered a {$32.00} charge I did not make. I called the credit card company to tell them about this erroneous charge from XX/XX/XXXX. They closed my account, never sent me a new card, and will not reopen my card. I have spent 2 hours on the phone and then spent 2 hours at a financial center for B of A in XXXX trying to resolve this issue to no avail. My interest rate is low and I wonder if they deem me as an unattractive customer now that the card has been paid in full. I am also concerned about my XXXX  mileage reward point which appear to have been cancelled along with the card.
Consumer complaint received 2020-10-26
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: SLM CORPORATION (TX)

Hello, My name is XXXX XXXX and I am reaching out to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Consumer complaint received 2017-09-04
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. (ND)

I am a victim of identity theft. I have 2 police reports on file with the XXXX and XXXX XXXX Police Department in regards to fraudulent collection accounts and hard inquiries listed on my Trans Union, XXXX and XXXX credit report. I have sent both police reports to Trans Union, XXXX and XXXX in regards to the fraudulent collection accounts and hard inquiries. The following collection accounts and hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, {$7800.00}, XX/XX/XXXX, XXXX, {$6000.00}, XX/XX/XXXX, XXXX XXXX, {$290.00}, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, Further I have been receiving harassing phone calls and death threats from XXXX XXXX representatives.
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 Equifax received a letter requesting the " Method of Verification '' as I suspected that they utilized an electronic method known e-Oscar to verify the debt they say I owe. I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. The Method of Verification has not been received by listed companies. The ( 15 ) day period has been exceeded.
Consumer complaint received 2021-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/2021 I contacted Wells Fargo XXXX XXXX visa XXXX XXXX to request the finance charge amount on my credit card. The representative told me that she would as out the finance charge information via an encrypted email within XXXX days. However, I gave never received the information the company has been trying to charge me, late fees, interest fees, annual fees, ect. I am aware that pursuant to 15 USC 1605 ( a ) a finance charge is the sum of all charges. I am also aware that attempting to collect any amount besides the finance charge is a violation of 15 USC 1692e ( 2 ) ( a )
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

This is XXXX XXXX and I have been working for the last 6 months on trying to fix the incorrect account that is reflecting on my credit report. I have filed a dispute through the CFPB for now the 4th and final time. Please make note that I am aware that you all have refused to process my request or even look into the issue the other 3 times I have done this. Because I have now lost the home I was trying to close on and the Earnest Money I put up I have seeked legal advice and am aware that you all have violated the law.
Consumer complaint received 2020-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Good evening, To whom it may concern, I paid XXXX XXXX double mortgage payment for the month of XXXX. My account was recently transferred and my previous company sent XXXX XXXX a paid mortgage payment on their end and I paid a full payment in my end as well. When I spoke to a representative, they mentioned that the payment was in the principle account and would be transferred for my XXXX or XXXX payment. I was a new transfer to XXXX XXXX and received minimal assistance with my double mortgage payment issue. The representative mentioned that due to current COVID-19 policies, they would not report any late payments, especially since I already have the payment in the principle. They took a long time to transfer the payment and after numerous calls, the mentioned they there were delayed with servicing everyone. The late reporting on my credit report should have never occurred. I also did not accrue any late fees which means my payment was not considered late on their end. The representative reassured me that credit reporting would not occur due to seeing the funds available for transfer. I am disputing to have the report removed from my credit. They were very slow to assist but reported a late payment after I was told that they would not have under COVID-19. My credit has dropped 80 points and I would really appreciate the assistance.
Consumer complaint received 2023-01-11
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: EQUIFAX, INC. (CO)

I am XXXX and I am writing this on my own behalf. After reviewing the credit report/file, I noticed inaccurate, false and fraudulent information being reported. 

XXXX, Equifax, and XXXX are all reporting inaccurate information regarding fraudulent accounts. The XXXX and XXXX XXXX account delinquencies are inaccurate across all credit reporting agencies and have discrepancies across their reports. Not only are the delinquencies reporting different values but they are also reporting on a fraudulent account. 

This information is to be removed completely from the credit report. The derogatory marks and the whole account as it is causing me harm and is tarnishing my reputation.
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

The latest credit report I checked still shows that this account is being reported incompletely and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.