AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Transunion and XXXX will not remove inaccurate information from credit file. Filed disputes twice to remove inaccurate information on XXXX Account, remarks reflect Chapter XXXX Bankrupcty, in which I did not file bankrucptcy and there is no public recording of bankruptcy. I paid the auto loan in full and obtained proof of ownership and pink slip from the lendor ( XXXX ) However they will not remove from my credit reports. 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear Sir/Madam, I would like to express my disapointment of the representatives that works for the Wells Fargo Bank. On XX/XX/2015, I spoke to a representative of Wells Fargo Bank in regards to obtaining pertinent information of my account. Since I would like to expand in areas of my XXXX and as such the information is one of the requirements for this expansion. The information required were : Account Holders Name, Account Number, Six Months Deposits, A statement showing there is no lien on the business account, and I attest that none of the funds used in this account is borrowed and is immediately available for Cater Home Care use. 
This business has been a customer of Wells Fargo for over one year and seeing that there is a six months requirement I felt that it was only fair that Wells Fargo furnish me with the true and authentic information required. I have spoken several times to representatives of Wells fargo and they have either refused to furnish me with the information needed or fax and mail information which was not asked for. 
This situation has become an issue between Wells Fargo Bank and my business and I have found it appaulding since I am only asking for information that was processed between Wells Fargo Bank and XXXX XXXX XXXX XXXX. 
I am therefore requesting that action be taken to relieve this issue and furnish XXXX XXXX XXXX with all the documents needed so that the business can move forward as soon as possible. 
Respectfully, XXXX XXXXAdministrator XXXX XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX collection was removed after I sent Their collection dept ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ACCOUNT NO. ; XXXX {$1900.00} police report & District Court of XXXX for XXXX XXXX XXXX case # : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX SENT NOTARIZED LETTER SIGNED BY XXXX XXXX XXXX ( XXXX ) XXXX RESIDED AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
COMMITTED FRAUD USED MY INFORMATION AND OBTAINED XXXX PHONES FROM XXXX WHICH CREATED THIS COLLECTION ON MY CREDIT REPORTS. IT WAS REMOVED AND NOW IS BACK ON. I believe XXXX HAS IT OUT FOR ME. WHY ELSE WOULD THEY KEEP TRYING TO RUIN MY CREDIT. WHEN I FIRST CONTACTED THEM AND ASKED FOR THEIR HELP. THEIR COLLECTION AGENT TOLD ME " I SUGGEST YOU KEEP THESE ACCOUNTS OPEN TO AVOID EARLY TERMINATION FEES ''. I TOLD THEM ARE YOU SERIOUS YOU WANT ME TO PAY ON THESES FRAUDULENT ACCOUNTS UNTIL THEIR CONTRACT EXPIRES. THEIR ANSWER WAS " YES '. THIS IS VERY UPSETTING SINCE I AM IN A HOME BUYERS PROGRAM " XXXX ''. THIS RE POSTING OF THE FRAUDULENT COLLECTION IS PREVENTING ME FROM GETTING A HOUSE. FOR MY GRANDDAUGHTERS AND I, A DREAM I HAVE HAD FOR A LONG TIME for ME AND MY GRANDDAUGHTERS. I NOW HAVE CUSTODY OF AND WE ARE LIVING IN A XXXX BEDROOM APARTMENT BECAUSE OF THIS AS WELL. IF YOU CAN HELP ME GET THIS PERMANENTLY REMOVED FROM MY CREDIT REPORTS ONCE AGAIN I WILL BE ABLE TO PARTICIPATE IN THE " XXXX '' AND FINALLY GET MY GIRLS A DECENT HOME. ALSO I HAD STUDENT LOANS THAT WERE EXPUNGED AND SHOULD SHOW THEY WERE SATISFIED AND PAID ON TIME.. PLEASE HELP ME AND MY GIRLS XXXX WILL BLESS YOU I AM SUREXXXX XXXX XXXXXXXXXXXX ON XXXX/XXXX/2015 I CALLED XXXX TO APPEAL TO THEM FOR HELP AND TO ASK WHY THEY POSTED THE COLLECTION BACK ON MY REPORTS THEIR ANSWER WAS. " THE DEBT IS STILL OUTSTANDING AND THERE IS NOTHING WE CAN DO FOR YOU ". THEY OBVIOUSLY DO N'T CARE ABOUT ANYONE. ALL THEY WANT IS MONEY. IN MY OPINION THEY KNOW I AM TRYING TO GET A HOUSE AND THEY THINK I WILL PAY THE COLLECTION JUST TO GET RID OF IT. IT WILL BE A COLD DAY IN XXXX BEFORE I DO THAT. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I filed against U.S. Bank refused refund {$900.00} for unfair and deceptive bonus practices. 
I did visit at U.S. Bank today dated of XXXX XXXX, 2015. in addition, U.S. Bank employee did n't give me more power reward at see below descriptions : I filed against U.S. Bank refused refund {$900.00} for unfair and deceptive bonus practices at below : We 're glad you 've chosen to bank with us. Unfortunately, the checking account you 've selected is not eligible for a bonus. Valid accounts for the {$120.00} bonus offer include U.S. Bank Silver, Gold or Platinum Checking Packages. As a reminder, to earn the bonus you must also complete XXXX or more direct deposits totaling {$500.00} or more, OR XXXX or more transactions using U.S. Bank Bill Pay within 60 days. 
I was not happy with U.S. Bank addresses: 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been trying to get a mortgage modification from Wells Fargo for nearly five years. Recently they came up with an offer of {$960.00} per month over 281 months at an interest rate of 3.75 %. My previous payment was {$910.00} per month. If I can not afford {$910.00} per month what makes Wells Fargo think I can afford {$960.00}? I feel that Wells Fargo has NOT done everything possible to get me a lower monthly payment. There are several solutions I have been able to figure out, what ca n't Wells Fargo? About 6 months ago Wells Fargo made a big deal in the news media about giving a new home to a veteran for free. Now they are trying to make another veteran homeless. I am not asking for a free home, just an affordable one. All that good will that free home got wells fargo could be wiped out with the news story of wells fargo swindling another veteran out of their home. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a XXXX at XXXX I could not pay XXXX all at once so I called and set up payments of XXXX a month which I have payed since 2012 I have not missed a payment. They send me a statement from XXXX each month showing how much I owe and thanking me for honoring my financial obligation, further stating since these arrangements were made for my convenience we ask you be promt and call if you ca n't. I am promt but they have reported this dept. My account is XXXX I pay this per my agreement and continue to pay each month I would like this removed from my credit report. I would understand if I did not pay the bill but I am paying. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is my second dispute on here for Experian. I had mailed and disputed on here recently concerning the different address 's that they had listed on my credit report that was wrong and incorrect. I have printed a credit report directly from Experian 's website that would support my claim. In which I have attached to this dispute. I am again disputing the address ; s that are listed on my personal information section of the credit report. My current address for the last XXXX years has been and still is XXXX XXXX XXXX XXXX, XXXX XXXX. The address 's other than this one that you have listed is not mine 's and should be removed. Here are the address 's that are listed on your credit report that are wrong and needs to be removed:XXXX XXXX XXXX XXXX XXXX , XXXX XXXX.This is my great aunt 's home and mineXXXX XXXX XXXX XXXX XXXX, XXXX XXXX. This is a friends house not mine and why is it even connected to me I do n't know. my goodness. 
Address : XXXX XXXX, XXXX XXXX identification number : XXXXType of Residence : Single familyGeographical Code : XXXXThat was the last address. Now I have also have another dispute that has n't been removed from my credit report which is a collection item from XXXX XXXX. Ths collection agency has sent me a deletion letter because the collection account that hey were collecting own should not have been. Could you please process the deletion off my credit report. My Utility Bill and my Drivers License for Verification of Identity is attached. I hope this is through enough for Experian to follow. 

Company response: Company chooses not to provide a public response
Consumer complaint: We received a mortgage loan through Wells Fargo Financial in 2005, ( this being a refinance from an earlier loan ). We have since discovered that this loan was based on the rule of XXXX 's for the application of payments. Congress passed law in 1991 stating that this form of accounting could not be issued to loans over 61 months, our loan is for 240 months. Because of this loan structure, we were unable to refinance with any other company because we owed far more on the loan than we originally borrowed. We have tried for 5 years to have Wells Fargo correct the errors in our loan servicing, to no avail. After 5 years, Wells Fargo has now foreclosed on the property. We had to file an emergency Chapter XXXX bankruptcy in order to save our home. After years of research, I have uncovered more errors in the loan servicing. Examples of these errors are : WFF APR is twice the amount of the average APR at the time of the loan making this a high cost mortgage, of which are subject to the requirements of TILA 12 C.F.R. 1026.35 ( Title 12 of the Federal Register ). TILA Sections 108, 129, 129B, 129C and 130 state the statute of limitations to be 3 years. Our appraisal and income was inflated in order to qualify for this loan, a violation in which the originator must make certain of the ability to repay. No counseling session was required thus no counseling certificate was presented. 12 CFR 1026.32 ( d ) ( 6 ) prohibits pre payment penalties on these loans. 12 CFC 1026.35 ( b ) requires escrow to be established ( no escrow established on our loan ). 12 CFR 1026.36 prohibits loan originator compensation whereas our loan included commission to the officer. 12 CFR 1026.36 ( h ) prohibits mandatory arbitration on waiver of certain consumer rights, such arbitration agreement was included in our loan closing. The loan originator must be licensed with XXXX and the loan documents must reflect this. No Identification number was included, bringing up the question as to the qualifications of the originator. We never received our Truth in Lending Disclosure. With all this being said, due to the structure of this loan and our inability to have these errors corrected, our credit has been significantly damaged and un-repairable. The damages that Wells Fargo has caused us both financially and emotionally are insurmountable. 

Company response: Company chooses not to provide a public response
Consumer complaint: A few months ago I had requested my credit report from Experian but for some unknown reason I was n't able to get it from them so I just went online and got my report from some website instead. 
I ended up filing some disputes with Experian because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least 2 months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have one I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within 30 days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than 30 days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: They forced me to pay on my loan while still in school and threatened to with hold me from class if i couldnt make my payments. They also tricked alot of us into opening a new loan with a lower interest rate with the understanding that the previous loan would be dropped or closed. Come to find out all they did was open another loan and made me start paying on XXXX loans while still attending school. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: This is in response to clarify in simpler terms what my dispute with Chexsystem is about. I requested Chex-System to remove inaccurate information that they and or the Banks that they service has put on my consumer report. These following address 's I am here and now disputing as address 's that I AM NOT associated with and I DO NOT LIVE AT NOR HAVE I EVER LIVED AT:XXXX XXXX XXXX XXXX XXXX , XXXX XXXXXXXX XXXX XXXX XXXX XXXX , XXXX XXXX- My Parents Address NOT MINE!!!! 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX , XXXX XXXX. 
Please delete these address 's. Now concerning the inquiries that you have listed on your consumer report to me please delete these following inquiries because I did not authorize those Financial Institutions to look at my personal information:1. XXXX XXXX XXXX XXXX Date of Inquiry XXXX2.PNC BANK Date of Inquiry XX/XX/XXXX3.XXXX Date of Inquiry XX/XX/XXXX4. XXXX XXXX Bank Date of Inquiry XX/XX/XXXX5. XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX6. XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX7. XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX8. XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX9. XXXX Date : XX/XX/XXXX10.XXXX XXXX Date XX/XX/XXXX11. XXXX XXXX Date XX/XX/XXXX12. XXXX XXXX DAte XX/XX/XXXX13. XXXX XXXX XXXX Date XX/XX/XXXX14. XXXX XXXX Date XXXX15. XXXX XXXX XX/XX/XXXX16. XXXX XXXX XXXX Date XX/XX/XXXX17.XXXX Date XX/XX/XXXX18.XXXX XX/XX/XXXX19. XXXX XXXX XXXX Date XX/XX/XXXX20. XXXX XXXX Date XX/XX/XXXX21. XXXX XXXX Date XX/XX/XXXX22. XXXX XXXX Date : XX/XX/XXXX23. XXXX XXXX XXXX XXXX Date XX/XX/XXXXPlease Delete all those inquiries I have included the consumer report that you sent me and I have attached my Drivers License and my utility for verification of myself and my address 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage was with XXXX and that alone should say it all but I 'll continue ... 
We took a XXXX out and decided to add a master bedroom and bathroom to our XXXX bedroom XXXX bathroom home increasing the property value ( or so we thought ). XXXX was assumed by XXXX XXXX XXXX which is where everything went downhill ... XXXX would not honor the appraisal and said we had to re-appraise using THEIR appraisers who essentially came in and LOW BALLED the value at less then half of what the original appraisal was. With XXXX loan payments and now heavily upside down in debt we could no longer afford much thus adding strain on our marriage we filed for bankruptcy and shortly thereafter divorce ... 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been trying to get Experian to make the appropriate changes to my XXXX XXXX account since 2013 because the account history information is inaccurate. I 've provided proof of payment, which reflects the month and year and still no change. Instead, of making the corrections, Experian added additional inaccurate account history information. 

Company response: Company chooses not to provide a public response
Consumer complaint: We get daily calls from phone number XXXX. They claim to be from a debt collection agency 'Central Credit Services '. They instruct us to call a different number ( XXXX ). We do not owe a penny to anyone and have an excellent credit score to prove it. I just want these calls to stop. I am afraid to call the XXXX number because I have read online that it is a scam to obtain personal information. We have had the same telephone number for XXXX years so I find it hard to believe it is an innocent mistake. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have some accounts that are not mine that are reporting these are fraudulent accounts the accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX i have filed a police report XXXX pd report number XXXX Officer 's name XXXX badge # XXXX i have also filed a notarized ftc id theft affidavit these accounts have yet to be rmoved as they are a result of id theft 

Company response: Company chooses not to provide a public response
Consumer complaint: A legal item has appeared on my TransUnion credit report, a {$1900.00} small claims judgment through the XXXX XXXX XXXX XXXX ( Michigan ) small claims court, reference number XXXX ( this is all in the public record, no personal info ). I called the court using the contact information provided and after the usual debacle of bureaucracy spoke to a very helpful clerk who was able, at last, to pull the relevant file. It appears this is a judgment against a XXXX XXXX with no DOB or other identifying info made back in XX/XX/XXXX. She dug deeper and found the court attempted to garnish wages from the Department of XXXX, but received no response from that institution and the case just sort of died there. 

My name is also XXXX XXXX. I did indeed live in XXXX for one year, from XX/XX/XXXX to XXXX of this year, but in XXXX XXXX ( XXXX XXXX ). This is clearly a different XXXX XXXX, but for some reason this item has started appearing on my credit report. I would like this corrected immediately but gave up after almost an hour on hold with TransUnion. I do n't really have the time to actively pursue this at the moment ( I work as XXXX ), so I thought enlisting your help might be more efficient ( I remembered this agency because I was a candidate for XXXX of your fellowships earlier this year ). 

Thank you in advance. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX will not give me my credit report or score 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by JP Recovery Services , Inc. refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( 10 ) ten business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XX/XX/2015 for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Over a year ago, I got hurt at work. I had to have surgery and was out of work for 5-6 weeks. That 's when I fell behind on payments. XXXX XXXX was my mortgage company. It took me 4-5 months for them to finally agree to a payment plan. I was making payments to XXXX XXXX, then they sold my loan to Pennymac, unknowingly to me. I continued to pay XXXX XXXX. After a couple months a rep. for XXXX XXXX informed me of the sale of my loan, and provided me the contact number for Pennymac. I contacted Pennymac, but they had no information on my repayment plan. As of now I am showing delinquent for 6-7 months. Pennymac tried to get me to agree to a repayment plan of {$2000.00} a month. I can not afford that. As of now, I have sent into Pennymac XXXX loan modification packets. The first packet I faxed in 3 times, then I mailed it into Pennymac. They never received it. Which was around XXXX. The second packet I faxed in as well, Pennymac said they received it. It was sent on XX/XX/2015. Every time I called to check the status of it, I was told it is still in for review. 
I received another packet, to fill out, from Pennymac on XX/XX/2015. I called Pennymac asking why I received another packet when I had XXXX in for review. I was told that my packet was missing forms, and it had outdated dates. I was never informed about missing documents or outdated signatures. 
I have now submitted another packet on XX/XX/2015. I have received another phone call from Pennymac, that I 'm missing documents. 
I am currently waiting on Pennymac to send me an email, stating what documents are missing. 
I feel that I am being discriminated against for being delinquent. I feel that Pennymac wants me and my family out of our house. Even though I have sent everything they have asked for multiple times. 
Any and all help would be greatly appreciated. Thank you 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Stellar Recovery, Inc. reported a collections account to the XXXX credit bureaus in XX/XX/XXXX, identifying XXXX as the original creditor. When I called Stellar for information on the debt, I was told it was a debt from XX/XX/XXXX in the amount of {$440.00} and previously had a high balance of {$520.00}. I then called XXXX and spoke to XXXX other people, XXXX claiming I owed {$27.00} and another claiming I owed {$720.00}. This is a debt from 5 years ago, and XXXX never contacted me saying that I owed anything! I ca n't verify if the debt is valid because the companies tell me different amounts. I was in the process of purchasing a house when this was reported on my credit and I lost the sale and the pre-approval from my lender. The collection agency is completely misrepresenting my current position as a borrower by reporting the debt as new in XX/XX/XXXX, yet saying telling me the account became delinquent in XX/XX/XXXX. To top it all off, my wife just had a false collections account reported by Stellar Recovery removed from her account. How can they be allowed to do this to people? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had a credit inquiry on XXXX XXXX, 2015 by CREDCO, which I never authorized them to hard pull my credit score. I searched this agency online and it came out this company works with XXXX XXXX. I talked with a mortgage loan specialist from XXXX XXXX that day but he never asked my SSN, and also never asked to run my credit report. But to my surprise, without my permission XXXX XXXX pulled my credit report. I want to see if there are any possibilities to get this inquiry off my credit report. 

Company response: Company chooses not to provide a public response