davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (GA)

According to 15 USC 6802-6805, 15 USC 1681, and the Privacy Act of 1974 : The disclosed actions by Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX appear to contravene several fundamental consumer financial privacy laws. These laws mandate strict controls over the handling and disclosure of consumer financial information Specifically, 15 USC 6802-6805 establishes the framework for safeguarding the privacy of consumer financial information. Financial institutions, such as banks, are required to provide customers with clear notice of their privacy parties and practices, as well as afford customers the opportunity to opt out of certain information-sharing arrangements. Additionally, these laws require stringent security measures to safeguard against unauthorized access or disclosure of customer information. 

Similarly, 15 USC 1681, under the Fair Credit Reporting Act ( FCRA ), governs the permissible uses and disclosures of consumer credit information. The FCRA imposes stringent requirements on consumer reporting agencies and entities that furnish information to these agencies, ensuring the accuracy, fairness, and privacy of consumer credit information. Disclosing consumer credit information to third parties without explicit consumer consent or a permissible purpose violate the FCRAs provisions. 

Furthermore, the Privacy Act of 1974 establishes controls over the collection, maintenance, use and dissemination of personal information by federal agencies. Although primarily applicable to federal agencies, financial institutions may be subject to its provisions if they maintain records containing personally identifiable information obtained from federal agencies. 

The terms and conditions outlined in the privacy notices of Wells Fargo XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX emphasize consumer rights to privacy and prohibit the unauthorized disclosure of personal information. By disclosing personal financial information to third parties without proper consent from the consumer, these banks may be in violation of their own terms and conditions as stated in their privacy notices. 

Despite attempts to rectify this issue through direct communication with the customer service departments of Wells Fargo XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX, their responses have been unsatisfactory, lacking adequate explanation or remedy for the breach of privacy. 

Enclosed with this complaint are copies of relevant documentation and any other pertinent evidence to substantiate my claim.
Consumer complaint received 2021-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous information reporting on my Credit Report : XXXX
Consumer complaint received 2017-10-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc. (OH)

I have reviewed my Credit report and found several account unrecognized items from your office CHOICE RECOVERY INC  # XXXX. I do n't remember doing any business or having having a contract for services. Please forward me proof of contract or my signature etc.
Consumer complaint received 2024-01-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Specialized Loan Servicing Holdings LLC (CA)

ITS TOTALLY FALSE AND MISLEADING TO STATE I DID NOT WANTED TO CONTINUE LOAN MODIFICATION. SLS FAILED TO CORRECT AND SEND THE CORRECT AMOUNT OF TRIAL PAYMENT AS OF XX/XX/XXXX. 
ITS FRAUD AND DEFAMATORY TO STATE I DID NOT WANTED TO CONTINUE WITH REQUEST FOR MORTGAGE ASSISTANCE WITHOUT CORRECTING AND SENDING AMENDED TRIAL PAYMENT AND LOAN MODIFICATION DOCUMENTS. 
ATTACHED LETTER XXXX DELIVERY DATE ASKING SLS TO CORRECT PROPERTY TAX THAT WAS WRONG AS OF TODAY XX/XX/XXXX THEY HAVE FAILED ACKNOWLEDGED AND CORRECTED THEIR MESS. 
I HAVE NOT RECEIVED A CORRECT TRIAL PAYMENT AND AMENDED LOAN MODIFICATION DOCUMENT AS OF XX/XX/XXXX. 
RESPONSE TO MY COMPLAINT CFPB ALSO SLS DID NOT CORRECT AND PROVIDED AMENDED APPROVAL LOAN MODIFICATION DOCUMENTS. 
AS OF XX/XX/XXXX, SLS HAS NOT PROVIDED ME AMENDED LOAN MODIFICATION DOCUMENTS SO SLS SHOULD STOP BARKING LIKE XXXX WILD DOG I DID NOT TO CONTINUE WITH PRIOR RELIEF ASSISTANCE EITHER BEING XXXX, MENTALLY SICK, ABSENT MINDED OR UNDER DRUGS. 
ITS A BULL AND BALONEY I DID NOT WANTED TO CONTINUE BECAUSE SLS NEVER CORRECT AND PROVIDED ME AMENDED LOAN MODIFICATION DOCUMENTS. 
The last loan modification documents that was sent to CFPB XXXX WAS ONLY AND ONLY FOR LOAN MODIFICATION NOTHING ELSE. 
I I received notification additional information was needed in XX/XX/XXXX I called and spoke to XXXX in loss mitigation she told me I need to only submit application for loan modification no other documents were missing. 
I called on XX/XX/XXXX spoke to XXXX he told there were missing information and loan modification was terminated. He also stated business income and expenses of the business not included. This was included with my request with CFPB and I hope this was sent to SLS. 
After I spoke to XXXX on XX/XX/XXXX who confirmed the only missing information was in XX/XX/XXXX request was loan modification application. Based on that I provide loan modification application on XX/XX/XXXX that was the ONLY missing documents. 
I RECEIVED NO OTHER REQUEST AFTER XX/XX/XXXX ANY FURTHER INFORMATION THAT WAS MISSING FROM SLS. ANY MISSING INFORMATION DETERMINE AFTER XX/XX/XXXX I SHOULD MADE REQUEST IN EMAIL OR IN WRITING. 
SLS NEVER SEND ANY REQUEST FOR ADDITION INFORMATION AFTER XX/XX/XXXX THEREFORE TERMINATING LOAN MODIFICATION IS NOT FAIR AND VIOLATION OF LAW NOT TO REQUEST MISSING INFORMATION AFTER XX/XX/XXXX. 
SLS committed fraud and misrepresented me on XX/XX/XXXX from bunch of information that was requested only missing information was loan modification application.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/2024 at XXXX I made an attempt to resolve a fraudulent transaction, the representative stated he could not provide proof that I would not be responsible for the fraudulent transaction in the form of a debt validation letter, I made it clear to him that since he's going to violate FTC Section 809, Refusal Of Validation Of Debt Letter, I will pay the disputed/Fraudulent amount of {$13.00} to avoide having a closed account with balance on it, and that Capital One can refund the {$13.00} & or {$13.00} back to my XXXX  Checking account ending in XXXX,, as of present time Capital One has violated FTC Section 807 by placing false information and or inaccurate information on my credit report, associated with the closed account account ending in XXXX,, that is closed and paid off.
Consumer complaint received 2024-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Hi, i just connect my HSBC XXXX account to my american account, and they did not put ANYWHERE to let us international account holder about how COMMON scams are in new york. 2 weeks after i get my card, i try to find jobs as a XXXX XXXX XXXX. I got scammed because i didnt know that they can scam me with blank cheques ( because WE DONT USE CHEQUES in XXXX so I DONT KNOW WHAT AND HOW IT WORKS here with cheques ). 2 days after a fake employer ask me to upload cheques for " her new furnitures '' my HSBC account got suspended. I went to HSBC XXXX XXXX to fix this but they took my card and close my account without opening me a new account.
Consumer complaint received 2024-01-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (FL)

I've had a one main financial loan before back in XXXX or XXXX I can't remember however that loan was for like XXXX but after they added on al the extra stuff I didn't want I ended up paying like XXXX and then they wanted me to take a lean against my already paid off vehicle in order to get the loan which I had to do! 

So right now I have a XXXX dollar loan I got from them im using to help pay for some other credit cards and XXXX other loans have thru XXXX XXXX. The same exact thing happened the lady forced me to sign up for stuff I didn't want too my payment went from XXXX bucks to XXXX bucks a month.
Consumer complaint received 2024-01-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: GOLDMAN SACHS BANK USA (CA)

The merchant that Greensky funded was NOT in good standing with the State of California Contractors ' Licensing board and Greensky should have never offered funding option to that merchant or to us. The merchant had multiple complaints against it, yet Greensky offered funding. Per Greensky merchant agreement, the merchant was to be in good standing at all times in order for Greensky to offer financing to consumers. Greensky failed in their due diligence to ensure the consumer was protected from fraudulent merchants. The merchant in question, XXXX XXXX XXXX XXXX XXXX, has had their license suspended and per the State of California Contractors ' Licensing Investigator, their license will not be placed in good standing, and they will never do business again. We as the consumer are now out of a warranty for the product. Greensky 's negligence has harmed us, and we are asking for a review of the account and a credit placed on our account for the warranty and product we did not receive/request. There are also still issues with the installation and we have no way of having it fixed through the merchant Greensky guaranteed. There are still multiple complaints pending against XXXX XXXX XXXX XXXX XXXX, including ours, with the State of California Contractors ' Licensing board.
Consumer complaint received 2016-10-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Rent Recovery Solutions (GA)

Rent Recovery Solutions, an invalid debt on my credit repot, was removed due to the inability to verify the debt was accurately mine on the week of the XXXX of XXXX. Upon checking my credit information on XXXX/XXXX/2016, I observed this item was put back on my reports. I did not receive any verification of why this item was placed back on my reports. Also, this item is shown TWICE on my XXXX for the same debt, only the account number was changed and the amount decreased by {$1.00}, which deems this act to be an unlawful practice in an effort to continuously put and keep this fraudulent account on my credit file.
Consumer complaint received 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have been sending letters to the bureaus. I have received no updates or letter from them regarding my credit. I have been disputing accounts for about 8 months and again nothing has happened. I will attach letters I sent over but there have been several more.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

To Whom It May Concern : I recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed that my personal information is incorrect. This is my second time writing you to update my personal information, Please see attached information that need to be updated.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-11-27
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)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous inquiry reporting on my Credit Report : XXXX-Date of XXXX : XX/XX/2020
Consumer complaint received 2020-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TRANSUNION FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN THE 30 DAY INVESTIGATION PERIOD. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE CONCERNING THE DISPUTED ITEMS PURSUANT TO SECTION 609
Consumer complaint received 2024-01-16
Product: Credit reporting 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)

On XX/XX/XXXX I sent certified letters to XXXX, XXXX and Experian via physical mail asking them to help validate some inaccurate information I found on my credit reports. Today is now XX/XX/XXXX and I received a corresponding physical letter from a debt collector, XXXX XXXX XXXX. 

According to NMLSCONSUMERACCESS.ORG this company does not have a license to collect ANY debt in the state of Texas. 

From this physical letter they sent to me, they are in violation of XXXX laws. 

15 U.S. Code 1692b - Acquisition of location information ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; According to 15 U.S. Code 1692k - Civil liability ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ;
Consumer complaint received 2021-04-23
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (CA)

Timeline : XX/XX/XXXX - XX/XX/XXXX I : Actions taken by Borrower ( Me ) : I fully disclosed to this mortgage loan originator that I wanted to purchase a second primary residence in XXXX Texas through FHA. I provided the MLO all of my information in a timely fashion and communicated, early and often to notify the MLO that I was flying from CA to TX in order to seek this housing. I asked the MLO to pre-submit my files to underwriting on multiple occasions in order to ensure I qualified for the loan. 
XXXX : Actions taken by Mortgage Loan Originator ( XXXX XXXX / NMLS XXXX through " LOAN DEPOT '' ) Committed constructive fraud, demonstrating negligence in advising and overseeing the loan qualification process. The MLO pulled my credit multiple times, injuring my credit standing and failed notify me of these soft and hard hits in advance. The MLO provided bogus loan approval documents on multiple occasions implying I was eligible for a loan type which I actually NEVER qualified for in the first place. 
III : Committed actual fraud, intentionally misrepresenting the status of my underwriting file indicating it have been pre-screened and pre-approved for the desired loan time. The MLO assured me that due to their oversight they would refund my appraisal fee and they failed to do so after multiple outreach and attempts made to them for recourse. 
IV : The Mortgage Loan Originator ( XXXX Border NMLS # XXXX via " LOAN DEPOT ) violated my rights to privacy, disclosing non public personal information in unsecured emails with outside parties cc 'd on the emails who were not authorized to have access to my information. Further, the information they disclosed was false, inaccurate and presented me in a negative light.
Consumer complaint received 2024-01-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My card was stolen a couple of years ago and someone tried to scam with it from Bank of America. I was told to lock my card and I did so, but the next morning my account was frozen and couldnt get any of my money. I have been trying to get another bank account but they have denied access to me to get another one. The company told me that they would fix it and it still has not been fixed.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

There is an account from Bank of America on my credit report that is not mine, it's a fraud account. I'm a victim of identity theft, so please help me to remove this fraudulent account from my credit report. The fraud account is the following : BANK OF AMERICA XXXX Date opened XX/XX/year> Balance {$620.00}.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JTM Capital Management, LLC (TN)

I have made many attempts to have this account resolved, investigated and removed from my credit report with XXXX. The reported creditor and credit bureau XXXX XXXX are reporting unfair derogatory and inaccurate account information regarding this account ( XXXX ) with creditor JTM CAPITAL MANAGEMENT LLC. This inaccurate information is not being investigated and verified fairly by XXXX. I have reach out to JTM CAPITAL MANAGEMENT LLC about this outdated account. I never had an account with JTM CAPITAL MANAGEMENT LLC and my attempts to have this resolved and have it removed from XXXX has went unresolved. I didn't receive any notification, billing statements, or notice of default of any kind from this financial institution. But when I review my credit report from XXXX they have years of derogatory report information in this account.
Consumer complaint received 2024-01-14
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

RE : Investigation Request to Delete Credit Inquires To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : Account : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Reason to Dispute : In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #.
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MN)

In accordance with the Fair Credit Reporting act U S DEPT OF ED/XXXX account number XXXX, 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 instruction
Consumer complaint received 2017-10-07
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. (NC)

I AM FILING THIS COMPLAINT BECAUSE XXXX HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USED TO VERIFY THE ACCOUNTS AND INQUIRIES I DISPUTED BEING THAT THEY HAVE GONE PASS 30 DAYS MARK AND CAN NOT VERIFY THESE ACCOUNTS ( NOT BY JUST TELLING ME THE ACCOUNT OR INQUIRIES HAVE BEEN VERIFIED ) UNDER SECTION XXXX ( XXXX ) ( A ) OF THE FCRA THEY ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED : THAT I HAVE DISPUTED. PLEASE RESOLVE THIS MATTER AS SOON AS POSSIBLE