davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-04
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (SC)

Wells Fargo ( WF ) lied to me about foreclosing my home beginning XXXX XXXX. I was advised by multiple WF agents that I would not be foreclosed for missing payments as long as I was in a pre-approved modification status. My home was foreclosed in XXXX XXXX. It took me over a year, which included 3 HARP applications and 3 WF applications, before I finally got my home out of foreclosure ( after complaining to the Office of the Comptroller of the Currency - OCC ). I have all of the letters WF sent me during that time and after. Because of the foreclosure my employment options were severely limited, without being able to leave my area I could not fully pursue options in my career field. WF constantly changed the rules for getting out of foreclosure and basically made my and my wife 's lives living XXXX. With the latest WF scandal all over the news I would like someone to revisit my complaint. I filed multiple grievances through the OCC which proved fruitless as they gave up and awarded pitiful compensations. Everyone now knows WF was staffed by dishonest and worse people who manipulated and ruined lives. WF needs to be held accountable. I am now in my XXXX with no retirement and nothing in Savings. We live paycheck to paycheck - and like so many Americans ( and because of WF ) - I am painfully underemployed with no bright prospects. I need to be able to relocate and can not do so.
Consumer complaint received 2015-06-06
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (CA)

On XXXX XXXX, 2015, I found Enhanced Recovery listed on my credit report ( XXXX and XXXX Account Number per Credit Report : XXXX ). I have never been contacted by them, never received a dunning letter stating I had XXXX days to dispute ... nothing. I just found them on my credit reports. I immediately sent them a DV letter. It was mailed on XXXX XXXX, 2015 and received XXXX XXXX, 2015. ( Tracking number via XXXX XXXX, mailed to ENHANCED RECOVERY XXXX XXXX XXXX, FL XXXX ). On XXXX XXXX, I get an alert that Enhance was posted to my XXXX report. That right there, posting an account to a credit report while in dispute and not showing proof, is a violation. On XXXX XXXX, I disputed it with all XXXX CRA 's. Within XXXX hours, Enhanced verified the account with all XXXX CRA 's. Still till this day, XXXX XXXX, 2015, Enhanced has ignored my DV and has not responded to my DV but they continue to verify with all XXXX CRA 's. Huge violation! Enhanced has violated the FDCPA section 809. I want this account immediately removed from all CRA 's.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX. Account name : XXXX  XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX # XXXX Account name XXXX XXXX  XXXX # XXXX Account & XXXX # XXXX Account name XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX # XXXXHowever, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 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 XXXX 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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Consumer complaint received 2016-05-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

I had prior filed a complaint with the cfpb against Wells Fargo. I just received an email from my insurance company today that Wells Fargo has reported my property vacant. The property is not vacant and Wells Fargo was told this by me last month on two separate occasions. They stated then they would update their file and nothing further was needed. I feel Wells Fargo now reporting my property as vacant to my insurance company is retaliation for my filing a complaint with the cfbp against them. Their reporting my property vacant could result in my insurance being cancelled resulting in me having to purchase much more expensive insurance. They know my property is not vacant but are trying to cause problems for me by saying it is.
Consumer complaint received 2016-10-12
Product: Credit card — 
Issue: Credit determination — 
Company: WELLS FARGO & COMPANY (CA)

I have a credit card with Wells Fargo that I never recalled opening it, and I have had it for 3 years. It is a college student credit card account with several hundreds credit line. I thought it was a mistake unintentionally made by myself or the bank, but after I found about Wells Fargo disgusting sales tactic/unauthorized credit card issuance on the news, everything starts to connect in my head. This is a scam in the name of a big bank, and this scam affects millions of banking customers without knowing they are a victim of a top-down system. I want to get this account closed and all the fee/interest/charges and what not under this credit card account waived and/or refunded as soon as possible. This is to bring back the justice to the poor customers who fell victim to a sickening Wells Fargo banking system.
Consumer complaint received 2016-09-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

A deposit was returned NSF and I asked Wells Fargo to redeposit the check on XXXX XXXX, 2016. The check cleared the bank on XXXX XXXX, 2016 and although I provided a copy of the front and the back of the cancelled check, Wells Fargo continued to hold the funds until XXXX XXXX, 2016 and charged me and overdraft fee of {$35.00} for a check that posted to my account on XXXX XXXX, 2016. They recently started holding all deposits until they, " clear, '' even if your account has enough to cover the deposit.
Consumer complaint received 2021-06-07
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. (CA)

Team CFPB, I have four ( 4 ) accounts with XXXX XXXX and have been a " paid never late '' customer for 12 years. XXXX  XXXX is human and as a result, they made one massive error in the past 12 years, that is affecting my FICO by 42+ points. 

I have one erroneous 30 day late, for the year 2018. Anyone can see from all four ( 4 ) accounts that are " paid never late '', that this is NOT my personal payment algorithm, to ever be late. I've never been late, period. The credit bureau 's have been horrid as they continue to reply with the same response but no proof, per FCRA section 611, that the late occurred.

SOS Team, I need the big guns and you're it-
Consumer complaint received 2016-04-08
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MA)

I have called Macy 's concerning a negative rating on my credit report and they first assured me that the issue would be resolved when I call them back the following Monday. When I made the call they took a very different tone and attacking my character. I mentioned that I always pay my debt with an automatic XXXX XXXX XXXX payment, for example below every month : Dear XXXX XXXX : The following payment has been scheduled : Pay To Account : MACY 'S Account Number : XXXX Payment Amount : {$150.00} Deliver By Date : XXXX/XXXX/2016 Confirmation Number : XXXX Pay From Account : XXXX Account Description : XXXX CORE CHECKING I was not aware that I was behind on my monthly payment and it could have results on some tech error. they refuse to listen and show no empathy or acknowledge my concern.
Consumer complaint received 2016-04-03
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (IN)

My furnace died on a frigid day in XXXX XXXX and the XXXX company offered financial help on the replacement with Wells Fargo. One year later I noticed a {$2400.00} interest charge on my monthly WF statement. WF has refused to waive any of the interest even though I executed a full payment using fund balance transfer by another lender 5 days after the 1 year interest free deadline. I overlooked the deadline ( my bad ) but this transaction over penalizes the situation. I made monthly payments the first year on time and the Urgent Statement message ( XXXX XXXX statement ) notifying me of the expiring special terms is easily missed ( I think WF knows this ). I did n't see the problem until the XXXX XXXX statement showed whopping interest. WF said the other lender transaction will be too late to reduce any of the interest. I did n't have {$5400.00} in cash to pay the full balance when I asked WF to waive or reduce interest. I started working another job in XXXX to pay for the furnace. Reasonable business practices like this push people who are living pay check to pay check even deeper into financial hardship. Staff at WF say they 're just following accepted business practices and they have no flexibility to make more reasonable decisions. Some people who are financial strapped ca n't keep up because of situations like this. I was late 5 days on full payment ( not even a month ), one month late of {$2400.00} is about {$200.00}, and I 'd be agreeable to pay that because I made a mistake, but {$2400.00} is not fair for the circumstances.
Consumer complaint received 2017-07-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

To whom it may concern, I do think their loan statement is misleading the change of interest rate. Their statement is saying new interest rate is effective on XX/XX/XXXX every year. However, new interest rate has been applied on XX/XX/XXXXevery year. For the XX/XX/XXXX payment, {$580.00} was applied to interest ( {$240000.00} * 3.25 % / 12 ). If New interest is effective from XX/XX/XXXX, new interest rate shall be applied from XXXX payment. So the interest payment for XX/XX/XXXX pymt ( which was interest accrued during XX/XX/XXXX ) should be {$530.00} ( {$240000.00} * 3 % / 12 ). They may charge correctly based on Note I agreed. But the monthly statement is misleading the new interest effective date. I have asked them to correct but they refused. Plz review if the statement is accurate or not. I contacted Wells Fargo in XX/XX/XXXX thru their online bank. Thanks
Consumer complaint received 2023-06-11
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. (MD)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2016-08-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Professional Recovery Management (TX)

I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. I disputed this directly with the company and did get a response. Later after dealing with that XXXX had a major leak related to XXXX. I have attached documentation regarding this leak which includes contact information for XXXX XXXX if you would like to verify the identity theft with the bank.
Consumer complaint received 2015-09-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (NY)

The below complaint/request was attempted to be sent to Experian through website and was rejected. It is impossible to get an Experian human being on line. Ihave tried twice without success. On the second occasion I used two prompts suggested by a CFPB telephone representative. A second rep indicated that this failure could be the subject of a complaint. Here is that comlaint. 
1.In a letter dated XXXX/XXXX/15 from XXXX Bank XXXX it was stated that a credit card for XXXX was denied based upon information provided by Experian. The fact is that I did not apply for the card. I have been the victim of Identity Fraud. According to both XXXX and XXXX you have been alerted to my situation and are monitoring my credit. In the letter it is stated that you wrote that your records have me listed as having " Deceased ''. Do your records reflect that I am deceased? Did you provide XXXX Bank a statement in connection with the XXXX application or to anyone else a statement that I am deceased? Do your records reflect that I am deceased? 
I ask for answers to these questions. 
I ask for a copy of my credit report on your files. 
Are you aware that you are to have a Fraud Alert on my file? 
Of the XXXX main credit services notified at the request of XXXX you stand alone in not advising me that you have undertaken that assignment. Why is that? 
Why is it impossible to reach a live person in your employ?
Consumer complaint received 2017-02-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Riverwalk Financial CORPORATION (TN)

On or around the 1st week of XX/XX/XXXX I called XXXX to see if I qualified for the Obama student loan forgiveness program they had advertised about. I was advised they were with the Dept of Education and that I did qualify for the Obama student loan forgiveness program. I was informed I would have to do 5 pymts of {$99.00} then my loan would be forgiven through the Obama student loan forgiveness program. I then made arrangements for the 1st pymt of {$99.00} to be made on XX/XX/XXXX. I received a letter from XXXX XXXX advising that they would be handling my student loans and that my pymts would be XXXX dollars based upon my income. on XX/XX/XXXX I called XXXX because I wanted the last 2 pymts to be processed on XX/XX/XXXX which was the next scheduled pymt date. I spoke with a lady who advised me that they never take ymts or set up any type of pymt plans that they were a student loan advisory company I explained to her this was number I had called and they took my info and set up this plan so that I would be in the Obama student loan forgiveness program and that they had already taken 3 pymts of the 5 she hung up on me. I then called XXXX XXXX and I was informed there is no Obama student loan forgiveness program and that I had been set up on a plan that is income based driven. And that it was fraud that they never heard of RIVERWALK. The representative advised me to do a fraud claim with them which I did why I was on the phone. He also advised me to stop pymts and not to pay anything else to RIVERWALK because it was a scam. I went to my bank and did just that. My bank tried calling the number on my bank statement to inquire about the drafts and where the money went XXXX at my bank was hung upon as well after being told that they had no clue as to what she was talking about on my bank statement it shows as XXXX RIVERWALK XXXX TX XXXX RIVERWALK XXXX. Yet they knew nothing and said they had no clue to what was going on and hung up.
Consumer complaint received 2017-03-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2021-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Inaccurate information on my credit reports the charge off dates and last activity dates are different with all 3 reports did not do an investigation to verify TransUnion last activity XXXX XXXX XXXX. Last activity XX/XX/2017 XXXX. Last activity XX/XX/2017 XXXX
Consumer complaint received 2022-09-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I attempted to purchase two XXXX hats on XX/XX/2022, from a website that gave me the impression it was selling XXXX products ( at the following link : XXXX XXXX XXXX ). After setting up an account and going to checkout from the shop website, I was given the option to pay through PayPal. After selecting PayPal, I was redirected to PayPal where I entered my contact information and continued to complete the purchase. Only after completing what I thought was a purchase, was I informed that PayPal had directly transferred the money for the transaction from my bank account to a separate private bank account of someone named XXXX XXXX ( email address : XXXX ), rather than treating the transaction as a purchase. 

It has been over a month now since the purchase and I still have not received the items I ordered or any information regarding shipping, refunds, etc. PayPal does not allow me to contact the seller through PayPal. I attempted to contact XXXX XXXX via the email provided by PayPal on XX/XX/2022, to request a status update, but I never receiving a response. Additionally, I have tried to contact the shop through the contact form on their website ( XXXX XXXX XXXX ) at least 10 times across multiple different days : my first attempt was on XX/XX/2022, my most recent attempt was on XX/XX/2022. Every attempt fails, only yielding the response : " There was an error trying to send your message. Please try again later. '' The website provides no other means for contacting the seller. 

Because I never received the items purchased, I opened a dispute on PayPal regarding the transaction on XX/XX/2022. PayPal 's online forms did not provide an appropriate dispute type regarding the transaction, so I requested more information regarding the transaction and hoped to enlist PayPal 's support in resolving what had occurred. PayPal closed the dispute on XX/XX/2022, after providing me with no additional information or support in recovering the lost funds through what I suspect was a fraudulent transaction. It is unclear whether PayPal made any attempt to contact the seller or gather additional information on my behalf. PayPal will not allow me to reopen the dispute or submit another dispute regarding the purchase despite the fact that they closed the original dispute without actually providing any form of support or compensation. I was provided with an email address to follow up with in case I had any additional questions ( XXXX ). My subsequent email to that address, which was sent on XX/XX/2022, has not received a response after 9 days.
Consumer complaint received 2017-07-21
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. (FL)

My credit Report from Experian is showing my XXXX XXXX Credit Card account back on XXXX of 2013. I have submitted several disputes to Experian and they answer account was verified and remains unchanged like saying no update necessary. So i decided to dispute the error directly with the Creditor and when they respond me back all they say is that they can not verify any information over 24 months back. So my question is this. If the Original Creditor can not verify that information how is it possible that Experian verify it and then send me the respond of my dispute saying that no update is necessary because the account was verified. That is unacceptable for either parties.
Consumer complaint received 2015-05-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (PA)

Experian is reporting inaccurate, illegal late payments on Myfico Experian credit report. 
Accounts were Charged -off /Closed and there are multiple late payments showing after the accounts was charged-off /closed is inaccurate.This is illegal! 
The lates should be deleted immediately.I plead with CFPB to investigate this matter. 
The XXXX accounts are inaccurately showing multiple illegal lates after charge/off. 

1 ) XXXX XXXX - XXXX XXXX XXXX ... ..., 2 ) XXXX XXXX - XXXX XXXX XXXX ... .... 
The lates report as recent as XXXX 2015.