davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (CA)

Exeter Finance has continually and intentionally/willfully violated section 623 of the FCRA and it's specifically amended by statute 602 whereby it is 1, Prohibited to ( A ) report information with actual errors and 2, ( B ) Report information after notice and confirmation of errors when I continuously challenged their reporting of this account in my numerous 611 disputes with the credit reporting agencies and subsequent 623 disputes with them. 
On XX/XX/XXXX, I disputed balance owed as I never received any of the required paperwork such as all notices up to and including the notice of deficiency sent certified mail under the law which entitles them to mark my credit reports, payment history, date of last payment and so forth across all three credit bureaus after being denied various credit opportunities and products. 
On XX/XX/XXXX They denied my 623 request to see all documentation on this account ( only sales contract which is not germane to this subject ) to justify they were not erroneously reporting and continued to report it even though they also had proof that they were violating the FCRA by reporting the inaccurate and negative information differently across all the credit bureaus. Then on XXXX XXXX they sent a follow up letter stating my dispute was frivolous at which point I continued to dispute with the credit bureaus until XX/XX/XXXX. Under the FCRA, if any piece of information is not accurate and complete after an investigation is brought by a consumer the furnishers of the information must update or delete said information so that it is accurate and complete across all the bureaus it furnishes the information to or it faces numerous violations under the FCRA. 
I continuously asked through the entire dispute process with both the CRA 's and the OC to either update or delete the negative information from my credit reports and was continually thwarted by both all the while keeping me from receiving the great credit products and interest rates I would have enjoyed.
Consumer complaint received 2021-06-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

I applied for a home loan through Wells Fargo on XXXX and given a pre-approval based on my credit report and income to begin my home search. I found a house, put in a contract and began uploading documents through their portal as requested immediately. Many occassions the portal would say I needed to submit documents that I had already submitted yet I kept re-submitting. I was told there was glitch in the system. RARELY did I speak to anyone and when I needed to it was like pulling teeth to get a response. I paid {$610.00} for an appraisal on XXXX. The day I was supposed to get my disclosures WF started giving me more run around that my account was still with underwriting and that closing might be delayed. TWO DAYS before closing on XX/XX/21 I was sent an email stating WF would not be able to give me a loan due to " multiple late payments that required manual underwriting '' and they didn't provide that service. Knowing that was not the case I reached out to another lender - he told me WF totally dropped the ball and due to the type of loan I was trying to obtain, just needed to change the terms of my loan and add more money down. This was NEVER communicated to me let alone very poor communication throughout the entire 2 month process to begin with. I requested an appraisal release letter on XX/XX/21 to be sent to me by COB XX/XX/21. I still have yet to receive the appraisal release allowing my new lender to use the appraisal that I paid for. My new lender has emailed them stating this was urgent as well. I have been given the run around for 4 days now that " it has been escalated '' or it has been sent up the chain of command '' yet no one will actual take care of this very small and very little time consuming issues. I am more than frustrated with the lack of communication that WF gave to me, the client - a client who has automobiles, bank acct and other homes financed through them. I thought this would be a very easy process, but boy was I wrong. I am more than disappointed and frustrated. They have wasted my time and have cost me several thousands of dollars with flights, hotels, car rentals as well as the appraisal fee for a closing that never happened because they didn't want to communicate necessary changes to my loan terms.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

XXXX XXXX XXXX XXXX has incorrectly reported a higher current balance on the mortgage three times in the past four months. After I filed disputes to the credit bureaus they corrected the reported balance to the correct, actual balance. On XXXX XX/XX/2021 they corrected this information. Then again on XXXX XX/XX/2021 they corrected it. And now as of XXXX XX/XX/2021 they are again reporting a balance that is {$12000.00} higher than the actual current balance. Three times makes a pattern, and I am concerned that the company is taking retaliatory steps to try and hurt my credit rating because I am currently in forbearance due to COVID impacts on my employment. If not, then at the least this demonstrates poor practice with handling sensitive consumer data.
Consumer complaint received 2021-06-07
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: BARCLAYS BANK DELAWARE (NJ)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft BRCLYSBANKDE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2022-12-15
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (NH)

I mailed all paperwotk and payoff amount on XX/XX/XXXX via certified mail Delivery receipt on XX/XX/XXXX I called on XX/XX/XXXX to inquire of status and was told odometer disclosure was invalid due to handwritten correction. I resent via docusign and received email confirmation of receipt. 

On XX/XX/XXXX the check that was mailed o XX/XX/XXXX was cashed. 

On XX/XX/XXXX i again called to inquire status and was told the odometer disclosure was never received. I once again submitted via docusign and received email confirmation of its receipt. 

On XX/XX/XXXX I called again for a status update and was told odometer statement was received XX/XX/XXXX on still in process. He placed a rush request and estimated i would receive the week of XX/XX/XXXX. 

On XX/XX/XXXX I called to check status and was told it was still in process and would have on XX/XX/XXXX. 

On XX/XX/XXXX i called for status and was initially told they were still awaiting the odometer disclosure. I read the timeline at which point it was acknowledged that all paperwork was in order. I am still on phone with supervisor to determine why i have not received my title and sale documents. I am unable to register my car for nearly three months after payoff.
Consumer complaint received 2020-01-23
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: Experian Information Solutions Inc. (CO)

I have tried multiple times to contact Experian by phone. There is no option to speak with a person that I have been able to find. I filed a dispute on XX/XX/XXXX and XX/XX/XXXX, both times they simply messaged me that the investigation was complete. No information was give yto me about who they spoke to or any one I could contact. They no longer are working on the dispue and refuse to reopen another dispute. I believe I am entitled to the details on the investigation, not just their conclusion, which is wrong.
Consumer complaint received 2022-04-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (PA)

XX/XX/XXXX, I logged into my citi bank account and I saw that my account was placed on block. I call XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX and was told my account is blocked no explanation given and that I will not have access to any funds until 60 days. I was also informed that my account has been closed and I will receive a paper check within 2 months. Citibank has informed me that there is no additional info that can be given just wait XXXX months to access my monies. This is unprofessional and criminal.
Consumer complaint received 2021-06-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (TX)

I paid US Bank the shortage of escrow of {$1600.00} on XX/XX/XXXX. I had to call back on XX/XX/XXXX because US Bank stated I made an overpayment and refused to apply to my escrow. They stated they will fix it and as of XX/XX/XXXX I had to call again and now US bank stated I did not have enough money to cover the shortage of {$1600.00} even though I paid the exact amount. I have a bank statement that proves I paid in full and a confirmation number. They stated they will send another request form to get it adjusted after this being my 3rd time to get it taken care of. I have been paying {$130.00} more than what I should have for 2 months now. I have been removed from online banking and can not monitor my account because they stated I was in bankruptcy status and lose that luxury. 

In addition, I tried to apply for the COVID-19 Mortgage Relief bill in XXXX in trying to refinance to keep food on the table, and at that point, they said I did not qualify because I was in bankruptcy. US Bank representatives are very rude and disrespectful. When one is in a horrible state and about to lose everything that should not open a door for a representative to laugh at your situation and tell you that US Bank can do whatever they want to. Horrible place and they take advantage of people in hard times.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. XXXX Date of inquiry : XX/XX/2020 XXXX. XXXX Date of inquiry : XX/XX/2020 XXXX. XXXX XXXX of inquiry : XX/XX/2020 XXXX. XXXX XXXX of inquiry : XX/XX/2020 XXXX. XXXX Date of inquiry : XX/XX/2020 XXXX. XXXX XXXX of inquiry : XX/XX/2020 XXXX. XXXX XXXX of inquiry : XX/XX/2020 XXXXXXXX XXXX  Date of inquiry : XX/XX/2020 XXXX. XXXX Date of inquiry : XX/XX/2020 XXXX. XXXX XXXX of inquiry : XX/XX/2020 XXXX. XXXX Date of inquiry : XX/XX/2020 XXXX. XXXX XXXX  Date of inquiry : XX/XX/2020 XXXX. XXXX Date of inquiry : XX/XX/2020 XXXX. XXXX Date of inquiry : XX/XX/2020 XXXX. XXXX  Date of inquiry : XX/XX/2020 XXXX. XXXX Date of inquiry : XX/XX/2020 XXXX. XXXX # XXXX Date of inquiry : XX/XX/2020 XXXX. XXXX XXXX of inquiry : XX/XX/2020 XXXX. XXXX XXXX of inquiry : XX/XX/2020 XXXX. XXXX Date of inquiry : XX/XX/2020
Consumer complaint received 2019-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: DISCOVER BANK (WA)

The Discover Credit Card and Discover Bank referred my already closed account ending XXXX to the XXXX XXXX  XXXX, XXXX. ( collection agency ) at XXXX, WA to file the lawsuit against me with the XXXX County District Court. The account was closed on XX/XX/2019 and I also received the refund check # XXXX in the amount of {$0.00} on that day, which I did not cash it. Discover Card, XXXX XXXX, XXXX XXXX XXXX, Utah XXXX, and Discover Bank, XXXX XXXX, Delaware who issued the refund check. It is against the law for the Discover Credit Card and Discover Bank to pursue a lawsuit against me after my account had already been closed. They have violated the Consumer Protection Act and the Fair Debt Collection Protection Act. Please investigate and then let me know. I would appreciate your assistance and emotional support. Thank you, XXXX XXXX, ( XXXX ) XXXX and you may reach me by email as well : XXXX And, the lawsuit was filed against me on XX/XX/2019.
Consumer complaint received 2021-11-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (AZ)

So for some reason my PayPal account was suspended suddenly without warning. I have been with them for over 21 years. I called and they told me I violated their Acceptable Use Policy but would not ( could not ) disclose what that violation was. Furthermore they told me that it is " un-appealable '' and " permanent '' and that they will now hold my {$1600.00} balance for 180 days. At the end of that period they will " contact '' me to see how I can get my money back. I asked to speak to a supervisor and they transferred me with much difficulty to XXXX ( Employee XXXX ) supervisor in the " limitations department ''. He repeated that he could not share any additional information, that he could not escalate this further than himself. 

I have reviewed their Acceptable Use Policy and the only thing possible is a couple of adult sites I am in which as far as I know are legal for adults... 

I have read online that some people have had this happen because they were on a VPN. I'm on a VPN all the time because I work from home and VPN into my office. Again if that's the case that's bogus. Also, I was under the impression that this was the United States so if it was something the thought was criminal or civil they should be compelled to tell me what I'm accused of doing...
Consumer complaint received 2021-05-05
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. (MI)

I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.
Consumer complaint received 2021-02-28
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: EQUIFAX, INC. (WA)

Incorrect Information Has Been Placed on my credit Report that hasn't been Validated. 
Ive reached out to all 3 Credit Bureaus and They've Refused to be cooperative to remove these False Files XXXX, XXXX XXXX, Equifax. I demanded To have These Removed without Proper Validation Per Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) They Refused to be of Assistance. 
CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX XXXX CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX  CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX Equifax
Consumer complaint received 2021-11-06
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

To Whom It May Concern : I have recently been informed that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings I challenge the accuracy, compliance and reportability of these listings. F.C.R.A. violation, removed and re-inserted and did not inform me. 

XXXX XXXX Reported : XX/XX/XXXX There are no contracts, no valid claim... account was settled with original creditor, never late or went into collections Grave errorsfalse claims and reportingI want this account removed immediately or litigation may followthis is unlawfuldebts can not be collected twice Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Consumer complaint received 2021-07-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

I have had a mortgage with Wells Fargo for the past seven years, and am in the process of refinancing the mortgage with a different lender. In the process, the title company discovered that Wells Fargo had fraudulently recorded an " open end mortgage '' with deed transfer 3-4 months after the first mortgage was recorded. I never initiated nor authorized this. XXXX  XXXX XXXX and I've contacted Wells Fargo regarding this and requested they correct this so that I can proceed with my refinance. Wells Fargo denies that there is or ever was an open end mortgage, and yet they insist on " researching '' this, thus stalling my attempts at refinancing, and impacting my credit. I would like this remedied as soon as possible. Your assistance is greatly appreciated.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2021-09-20
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. (CA)

On XX/XX/2021 I sent a letter to remove inaccurate accounts from my consumer report. I have attached the laws in which the credit bureau is violating. I would like the credit bureau to remove all unwanted false information from my report. down below I have the laws that are in violation. I understand the the credit bureau will put on my consumer report that they validated an account by default. which is a HUGE VIOLATION. Without physical proof also a personal investigation of character. This is illegal and I would like all accounts on my report from my letter removed. I would also like all Unauthorized Inquires removed from my account as well. Ive given the required 45 days plus an extra 15 days for investigation. they have not done they job. I want all deleted from my letter. 
15 U.S. Code 1601- Unfair and unethical reporting on consumers behalf. False information.

15 U.S. Code 1692- There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors.

15 U.S. Code 1681- There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.