davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-28
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (CO)

Wells Fargo Financial National Bank keeps putting a negative remark on my credit reports that is incorrect, not authorized and they keep putting this statement on my credit file. 

This is copied directly from my credit report : This is on my WF/XXXX XXXX XXXX XXXX ACCOUNT DETAILS Account status Closed Individual Remarks Dispute resolved ; consumer disagrees, account closed by consumer The individual remarks are being put on my credit file by this company when I have NEVER DISPUTED THIS ACCOUNT : The account is closed, the account was late due to sickness and loss of job but account is now handled by a debt management company and is current. I am not disputing this, I do not disagree but this company keeps putting these FALSE remarks on my credit files and I want them to be investigated. 

This is not the first time that any entity of Wells Fargo has been caught doing illegal things to consumers. I want this remark to be removed immediately and permanently and I do not want it to keep coming back on my file each month. The only remark should be " Account Closed by consumer '' All other remarks and dispute codes should be removed and stay removed. 

I will keep filing CFPB complaints each month that Wells Fargo keeps putting these lies on my credit files. I am sick of dealing with this and if you refuse to remove, if you refuse to initiate contact with me I will escalate this complaint to the FTC and the State Attorney Generals office and if I have to sue you in a court of law over you putting these false remarks on my file I will do so.. 

I have contacted them at WF/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX USA ( XXXX ) XXXX And they refuse to call me back or to comply with my request thus this complaint being filed.
Consumer complaint received 2022-01-03
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. (NV)

I already put a complaint on this matter but I received more information XXXX  who was in my credit report for XXXX found my back taxes for XXXX and gave that information to XXXX and XXXX did get paid for it also the amount owed on the taxes were incorrect and XXXX got refunded for the amount over paid The XXXX XXXX. Treasurer even told XXXX  my house wasn't in Foreclosure but they taxes anyway and broke the contract I had with the County the worst part XXXX  did my Credit Report on XX/XX/2021 and XXXX didn't pay until XXXX XXXX and didn't notify me they paid my renter called me and told me. Last but least XXXX sent me a bill XXXX dollars for full payment or I was given XXXX and XXXX 2021 off and in XX/XX/2021 which raised my mortgage payment from XXXX to XXXX a XXXX increase and now I'm struggling alot there was no 6 months 12 months offered I've notified the CEO and everyone on the board even XXXX XXXX XXXX  and they stand by the decision. This is like they didn't care about this before and I feel they singled me out. I hope this time things will be different
Consumer complaint received 2021-08-20
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc. (NM)

XXXX financial is reporting negatively to credit bureaus. derogatory unsatisfied charged off account. XXXX  XXXX is XXXX. Vehicle was illegal repossessed. Breach of peace. Prior to Vehicle Being repossessed 3 large payments were made through money gram withing a month to bring the account current. GM took the payments and repossessed the car anyway. It was never disclosed where or when the vehicle was sold or for how much. They never kept in contact with me about anything. I was the co signer. The owner is currently in XXXX XXXX and has been for the last 4 years.. I contacted gm a few weeks ago because my credit is showing in public Records a court order to garnish wages.. for some XXXX now they're saying XXXX. Absolutely. I requested a copy of the file and I got a letter from gm stating the account may have been fraudulently established as a result of identity theft .... WHAT??? The person I spoke to wanted me to give him the amount I have to see if my records match theirs.. I'm not gon na send them nothing they can adjust.. I know how much money was sent to get the car current. They applied those payments to court fees repossession fees late fees interest. None of it went to principal. I want them to send me all the statements proof of payments they have I want the date time place and amount the car was sold. I was told that the car was to sell at auction for the balance the balance was XXXX it should of sold for more and there should have been a refund for the overage difference. After looking at the court record GM filed just last year order to garnish. I want to appeal that ruling along with the negative deragory in my credit file. They can give me a XXXX valued XXXX and I'll pay otherwise they are insane to think they can destroy me with their lies. Every attempt was made to pay them they refused if it wasn't past due amount paid in full they refused payment after they had already received 3 different amounts through money gram in the month the car was repoed.
Consumer complaint received 2019-10-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Weinstein & Riley, P.S. (GA)

Weinstein & Riley, XXXX, WA. 

A XXXX XXXX called intimating that we were late on a payment, which is not the case. She had no clue as to terms of the settlement their firm was handling for a third party lender. She was down right insulting, full of inaccuracies and just wrong. 

I asked to speak with here supervisor. XXXX XXXX ( sic ) stated this person should not have called even though they sit right next to each other. She is new, was the response! I asked about training, policies, procedures and internal controls. She had no response. 

I asked XXXX to speak to her supervisor, XXXX XXXX ( sic ) an attorney with the firm. Not in office, left a voice mail. 

This firm is not in control of its personnel and to be contacted like this is just wrong. 

If we consumers don't speak out, reforms inside firms like this may not take place. 

Not sure if you have had complaints with this firm previously, but something is not right with this firm.
Consumer complaint received 2022-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (FL)

I had a credit card with American Express I enrolled the relief program to payoff the credit card. I did enrolled long term program over 12 months. I payoff before the 12 months. They told me I was not able to use the card til is payoff but Ill be able to use it after program end. Now is not the case. They are telling me that I need to re apply for a new card
Consumer complaint received 2021-10-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (TN)

I received an email that Sallie Mae responded to my CFPB complaint however my complaint was closed due to Sallie Mae not being able to offer any type of help. As stated in their response a manger attempted to call me on XX/XX/2021 regarding my issue of lowering my payments, the manager left a voicemail with no extension number for me to get back in contact with her, I called customer service literally 3 or 5 minutes after she called me and they too were no able to get in contact with the manager who called me whos name is XXXX. Sallie Mae advised me that due to XXXX not leaving a call back number/extension they would get another manager or supervisor to call me, I have yet received another call, I have called several times after this and still have been told another manager or supervisor will call me but again no one has. With Sallie Mae knowing my financial situation and them still stating I have no repayment options to lower my payments is ridiculous, how do they expect me to pay almost {$500.00} a month will other bills and having to provide for myself and survive. I really had high hopes that XXXX wouldve resolved this correctly but since they did not I am filing another complaint and will be looking into legal representation since again my issue is not resolved nor has a manager or supervisor tried to get in contact with me since XX/XX/XXXX, all calls are recorded so they can clearly listen to when I called back in 5 minutes after I missed a call from a manager who didnt leave a call back number/extension, Sallie Mae can also listen to the recorded conversations where I have been told numerous times a manager or supervisor will call me and has not, I will continue to seek help about this situation which is why I will be getting legal representation involved if my problem is not resolved
Consumer complaint received 2022-02-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2021 I disputed several accounts on my credit report asking the bureau to validate these debts including the manner of which the debt was validated, the original contract displaying my signature, the names and titles of all persons verifying debt. I have not validated these debts and nor has XXXX. According to the FCRA if these debts are not validated they must be removed from my credit report.
Consumer complaint received 2019-10-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

Today XX/XX/2019. I called Equifax to make credit disputes. Because I could not login to my account. They said I could not log into my account because theyre having verification issues so they escalated my account into investigation. I asked to speak with the supervisor. She said that they are having technical issues. And that I can not access my account for an indefinite amount of time. She said there is no time frame for me having accessing to my account. Her name was XXXX. Anyway. Earlier today I even tried to reset my password and successfully did so. But was still unable to log in. Equifax is violating section 609. I am unable to see and verify my credit report. Nor can I properly dispute because I have no access to a report. I would like access to my account and my incorrect reported information fixed asap
Consumer complaint received 2022-07-09
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. (IL)

XXXX XXXX XXXX is continue to have to assess my credit report after numerous attempts to report that they have broken the fair credit act. You all have laws in place for business to follow however Transunion, XXXX, and XXXX continues to allow XXXX XXXX XXXX to break the rule. They have exceeded the time long before I made this complaint. XXXX XXXX XXXX has no evidence to prove to you all that they did not break the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

I am writing in regard to the above-referenced account/s transactions. This vehicle was purchased at ( dealership name ) Date ( the date it was purchased ).

I have recently come across information from the Federal trade commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information. So the information must be removed from all of my reports or I have no choice but to take you all to court. The law is the law!
Consumer complaint received 2021-03-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

Rash , Curtis and Associates in XXXX, CA continues to keep reporting a false amount owed on a debt. The original debt is for {$2900.00}, and they keep reporting is at increasing amounts every month. They have not contacted me properly, and have tried to collect over {$4000.00} for this, and that is not the correct amount. I continue to dispute the amount on my credit report, but all agencies keep letting them report the wrong amount and continue to let them keep adding more to it. 

Creditors or collectors are not allowed to report inaccurate information to your credit reports, and under the Fair Credit Reporting Act, I have a right to have it removed. Yet, the agencies keep letting them increase it, and the original amount is significantly less. I'm a single, XXXX  mother to a XXXX XXXX XXXX, and I don't know what to do from here. This is not right! 

You can see in the image I am attaching what the original debt should be ; {$2900.00}, and they are reporting over {$4000.00}.
Consumer complaint received 2021-08-09
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. (DC)

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts that are on my account that are not mine are : XXXX XXXX XXXX XXXX I do not recognize this account and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ).
Consumer complaint received 2021-08-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

This debt is not mine. However I have received a collection on my credit report about the debt and the collection company has now reached out to me. I tried to dispute with the creditor, but the debt is now sent to the collections agency who notified my on XX/XX/2021 about the debt.
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

In reviewing my credit file i noticed some inquiries that i did not authorize for the following XXXX inquiry XXXX XXXX, XXXX XXXX inquiry XX/XX/2020 and XXXX XXXXXXXX XXXX inquiry XX/XX/2020.
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (VA)

I recently ran a credit report on XXXX XXXX 2021 and I didn't recognize the following hard inquiries on my report from Experian. 

XXXX XXXX XXXX Inquired on XXXX/XXXX/2021 XXXX XXXX Inquired on XXXX/XXXX/2021 XXXX XXXX XXXX  Inquired on XXXX/XXXX/2021 XXXX XXXX Inquired on XXXX/XXXX/2021 XXXX XXXX Inquired on XXXX/XXXX/2021 XXXX XXXX Inquired on XXXX/XXXX/2021 XXXX XXXX XXXX Inquired on XXXX/XXXX/2021 XXXX XXXX XXXX XXXX Inquired on XXXX/XXXX/2021 XXXXXXXX XXXX Inquired on XXXX/XXXX/2021 GXXXX XXXX XXXX Inquired on XXXX/XXXX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XXXX/XXXX/2021
Consumer complaint received 2019-10-28
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: EQUIFAX, INC. (NY)

PLEASE LOOK INTO THE REASON WHY THE ACCOUNT FOR XXXX XXXX XXXX XXXX. HAS NOT BEEN REMOVED. IT STATES A BALANCE OF {$3600.00}, WITH ONLY LATE PAYMENT OF 60-DAYS. NOW, THIS IS NOT THE FIRST TIME I BRING THIS ACCOUNT INTO MIND. THIS WOULD BE ONE OF THE SEVERAL ATTEMPTS I HAVE APPROACHED IN ORDER TO GET THIS ACCOUNT REMOVED OFF OF MY CREDIT REPORTS FOR GOOD SINCE XX/XX/XXXX., WHY HAS NOTHING BEEN DONE? WHAT ARE THEY LOOKING INTO? YOU HAVE NO IDEA HOW BADLY THIS IS AFFECTING ME AND THE GOALS I NEED TO ACHIEVE. THIS HAS DONE NOTHING BUT PULL ME DOWN. I DEMAND A RESPONSE IMMEDIATELY AS FOR NOTHING HAS BEEN DONE ABOUT THIS MATTER.
Consumer complaint received 2019-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

This account is identified as being with a bankruptcy. The bankruptcy was dismissed. You need to take off this Bankruptcy from my record to make sure that I don't need to comply with my personal legal rights according to 15 USC Section 1681n or 1681o, which needs your conformity utilizing the law.
Consumer complaint received 2022-01-03
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (WY)

I am continuing to have issues with my Servicing company. My Servicing company continues to repeat the following : " After completing our investigation into the aforementioned issues we determined that overall, there were no errors on our part. '' This is the root of the problem. My Servicer REFUSES to  admit they they or their predecessors have made errors in regard to my mortgage. Among multiple other failures and misconduct, XXXX XXXX failed to send a Good-bye letter informing that they were no longer the owner of my mortgage as of XX/XX/XXXX. As the new owner of my mortgage, Nationstar/Mr. Cooper also failed to send a Welcome letter at any time during the duration of their ownership. In the same way, Nationstar/Mr. CoopeXXXX also failed to send a Good-bye letter informing that they were no longer the owner of my mortgage as of XX/XX/XXXX. In addition, XXXX XXXX failed to send a Welcome letter when they became the owner on this date. In the processes of my interactions, I have continued to reach out to my Servicer, to request that the Settlement offer be renewed, which was extended to me in the latter part of XXXX. Until XXXX of XXXX, interactions from Mr. Cooper regarding a Settlement offer had ONLY been by email. In order for the XX/XX/XXXX Settlement offer transaction to be completed, my investor required that Mr. Cooper send a hard copy of this agreement with a POSTMARKED DATE via U.S. postal service. Mr. Cooper did send a hard copy of this agreement. However, it did not arrive until XX/XX/XXXX, and still did not possess a dated postmark. THIS is precisely the reason the Settlement offer could not be completed. Mr. Cooper and other Assignees of my mortgage are responsible for many violations in regard to my mortgage. I possess multiple pages of documents outlining these errors. Failure to send Welcome and Good-bye letters and failure to send a hard copy of the Settlement agreement are only two of the large number of violations regarding my mortgage since its origination. ( Attached are letters and replies. )
Consumer complaint received 2019-10-28
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. (IL)

Transunion is reporting fradulent medical collection accounts and addresses on my credit report. These fraudulent accunts are hindering my ability to get a promotion at my job. I work in XXXX   and a promotion requires a good credit report.