davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-25
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (MD)

My account number with Wells Fargo Dealer Services is XXXX. 
I have been late on paying my auto loan payment with Wells Fargo and when I look into my online Wells Fargo I see XXXX charges totaling {$210.00} that I clearly recognize and take full responsibility for. However, the issue is that starting XX/XX/XXXX whenever I call the rep will tell me my late charges are {$390.00}. I have attached an online statement showing the XXXX charges totaling {$210.00}. I have called many times and spoke to several representatives who have made requests to investigate the account but up to today XXXX XXXX at XXXX no results of these investigations have been communicated to me. I have talked to more than XXXX different people if I am not mistaking. Some were very patient and listened to me and showed they care and tried to help. However, XXXX ( ID XXXX ) and my account manager have been unpleasant. Especially my account manager, who I think does not even understand what the real issue is, would repeatedly tell me to go online and see the charges and that all the charges are valid. The first time we spoke ( 3 weeks ago or so ) over this issue he told me that the account was under investigation so he could not do anything about it. I asked him if had the authority to waive some of these fees so we can just put this issue to bed. He said he did not have that authority, I said fine. On Thursday XXXX XXXX I made a payment from my XXXX XXXX account for the {$210.00} which is what my online account is showing with dates and which is what I know is correct. On that same Thursday I requested the remaining charges ( $ XXXX {$210.00} ) be disputed because I do n't know where these are coming from nor would anyone explain to me where these charges were for. The Rep told me to call today ( Monday XXXX XXXX ). When I called they transferred me again to the account manager who was this time very rude. He told me that the account has been adjusted and that {$210.00} credit has been applied. and that there is nothing to discuss and that I should go online and figure it out. I told him that I actually made a {$210.00} payment and that I did not understand the adjustment he is talking about. I told him that this is the second time my account has been investigated and I still do not have any explanation for the remaining charges. And I requested the remaining fees be taken off my account until someone could provide me with a reason for these fees. He just went off and stating that I just wanted to create troubles and that all explanations have been given to me already. I asked if I could speak with anyone else and he told me nobody was available to speak to me and I asked his name and Id and he said he already gave it to me at the beginning of the conversation. I could not hear some of the last things he said but he just hanged up.
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account with out 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 2023-05-22
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: Experian Information Solutions Inc. (MI)

It has been brought to my attention that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2015-08-17
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Live Well Financial, Inc. (OH)

we applied for a FHA mortgage. We are concerned the appraiser is not a fha certified appraiser. We are also concerned the loan company LiveWell Financial is some kind of scam based on XXXX complaints we read online. After the appraisal they would not answer our calls and we obtained our appraisal after considerable effort on our part almost XXXX month later. The appraisal was 75 % less than we hoped.
Consumer complaint received 2023-05-22
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. (PA)

Based on the documentation from XXXX XXXX which states, If you have concerns that a record has been erroneously matched to you and included in your credit report, please contact Equifax to correct the error. XXXX does not match bankruptcy information to consumer credit files for Equifax. Equifax performs this matching. 
Please explain how your company adheres to, 611 5 ( A ) which explains, Treatment of inaccurate or unverifiable information. ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation. Please advise who did your Consumer Reporting Agency speak to at the US Bankruptcy court to verify, update, correct, or modify the bankruptcy listed on my credit report is accurate? 
I ask this question because my credit report explicitly states your company got the information from a third party ( XXXX XXXX ) and therefore it may not be accurate. Did a representative of your Consumer Reporting Agency travel or speak to the New Jersey Bankruptcy Court and verify, modify, update, or correct the information in person? 
Please include the documents showing the bankruptcy is in fact accurate, updated, correct, and verified including the entire docket showing this action based upon the law. Please explain how your Consumer Reporting Agency intends to modify the information in the bankruptcy filing. Can your Consumer Reporting Agency modify the information in the PACER Database that XXXX XXXX used? Can your Consumer Reporting Agency modify the information in the State, Federal or Public records related to the bankruptcy?

Per the US Bankruptcy Court, they do not modify, verify, or update the information for Consumers or Consumer Reporting Agencies. Please advise and share in writing the workflow and documents in place to open the docket to update, modify, verify dispute, and correct information on my behalf with the US Bankruptcy Court as a Consumer Reporting Agency. Please advise why they are listed as a furnisher on my credit report when they dont provide this information.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Kohls sabotaged my credit profile by reporting inaccurate information. Account is not 30 days late. This is the third time in 3 years that this company has placed derogatory remarks on my credit profile causing my score to suffer tremendously.Kohls credit reporting practices are unethical and they target consumers unfairly. I have not been 30 days late in over 3 years. I recently made a payment less than 30 days late & it was reported to all 3 credit bureaus deceptively. A payment made a few days after the due date is reflected on my credit profile as being 30 days late. This has happened 3 times since 2019. I demand this information be removed from my credit profile immediately.
Consumer complaint received 2023-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (IL)

Goldman Sachs is giving insanely hard time trying to resolve a dispute against a XXXX charge on my Apple Credit  Card from XX/XX/2022 ( latest dispute reference XXXX ). I only receive automated email requests from XXXX requesting same information over and over again and despite providing evidence supporting my case each time, the dispute goes nowhere. Unfortunately, XXXX ended up being a shady store and they just ordered the purchase I made from XXXX to my address under their account from XXXX. XXXX arrived in XXXX box and all, despite being XXXX purchase from my end. Furthermore, the item ended up being slightly different from what was listed on XXXX  and consequently I returned it as per XXXX policy ( tracking number and return policy already provided to Goldman Sachs ). XXXX then refunded the charge to whatever payment method XXXX used to order the item to me, but XXXX never issued a refund to me as their customer. Now I am out of money and out of the item ordered and Goldman Sachs is not helping me to dispute this for a refund.
Consumer complaint received 2023-05-22
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. (NC)

I've been contesting credit report fraud ITEMS. The items are neither in dispute nor removed from my report. The XXXX and TransUnion credit bureaus appear to be ignoring the pattern and allowing these false items to harm my credit score. I have demanded that an investigation be launched and that verifiable proof be supplied if the things claim to be mine. ENOUGH IS ENOUGH! HOW MUCH DOCUMENTATION IS REQUIRED TO GET SOMEONE TO DO SOMETHING? CHECK OUT THE ATTACHMENTS! THIS IS NOT ROCKET TECHNOLOGY! You requested documentation, and I provided it. AND AGAIN! AND AGAIN! This is my final choice before I consult with my attorneys and file a lawsuit for full compensation and damages. Please remove it ASAP! 
XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2023-05-22
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-05-22
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. (VA)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2023-05-22
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: EQUIFAX, INC. (WA)

I started to shop a car and visited a local car dealer. I asked what I can afford and been answered that I need a soft credit check to see where my payments can go. I said OK. Eventually a dealer run multiple hard inquiries without my permission. I reached their financial department and got a response that a sales person described incorrectly to the financial department that caused misunderstanding in a dealership. They can't help me. I reached all 3 credit bureaus and didn't find help. 

Hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (NC)

My concern is that Resurgent Capital Services/ XXXX XXXX XXXX and XXXX XXXX XXXX XXXX , continue to make claims of me owing a debt to them. I know for certain that I have not engaged in any business with either of these companies, however, they remain consistent that an alleged debt is owed to them. When I requested VALIDATION of the alleged debt ; that they expect payment for, Resurgent Capital ServicesXXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX falsely generated forms to VERIFY their claims to an alleged debt. That was not the request. The other problem extending from their fraudulent activities is the fact of them reporting to the credit reporting agencies such as XXXX, XXXX, and XXXX. I have also observed this information on XXXX. Resurgent Capital Services/ XXXX XXXX XXXX , has no legal rights to operate in the manner that they have against me any more than XXXX XXXX XXXX XXXX XXXX This continues after being instructed to cease and desist their actions/activities. 

It would be easier for Resurgent Capital ServicesXXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX to produce any existing contracts had between them and myself that binds me to an alleged debt in efforts to establish and solidify their grounds to collect anything from me. STATEMENTS ARE NOT CONTRACTS.
Consumer complaint received 2023-05-21
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (NJ)

PennyMac engaged in antitrust behavior and refused to provide me an official loan estimate unless I provided them one that I received from a competitor. When I did, they still did not provide me one in the legal format, which may have been to hide fees, even though their email motto is " Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan. '' When the rep did not provide an official loan estimate, I complained to the CEO. The rep immediately responded to me and stated " Pricing went up today. I am unable to get the quote from yesterday without their official loan estimate from XXXX XXXX. Yes you got the CEO get the middle management involved and that does not help with pricing or getting a loan estimate faster. '' He once again reiterated his anti-trust behavior in requesting competitor rates before providing me one and retaliated against me complaining to his CEO by noting that he is increasing prices and taking longer to provide this data. Most recently, he has also asked for more financial documents. I can not trust this representative with my financial data and he is a danger to all clients and to the financial industry with this behavior.
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

In accordance with the Fair Credit Reporting Act the following companies have violated my rights. 

15 U.S.C 1681 section 602 A. States that 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 a consumers written instructions. 

XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX  ACCOUNT # V XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TOYOTA MOTOR CREDIT CORPORATION (AR)

XX/XX/XXXX I went to XXXX XXXX XXXX XXXX XXXX. to inquire about a truck. I was working with XXXX XXXX. During our conversation, I explained that I only wanted my credit processed with Toyota and NOT with a Bank. XXXX the Finance Manager spoke with me about financing the truck, I explained to him that I only wanted my credit processed 1 time, to send it for approval through Toyota. XXXX said since it's a new truck the policy was only to process it for approval through Toyota. I told him NOT to process it through any other Banks. XXXX agreed to my terms. On XX/XX/XXXX I received an alert from XXXX showing that my credit was processed 2x 's on XX/XX/XXXX and another attempt was made on XX/XX/XXXX with a bank. The second attempt didn't go through because, of having my credit locked. I did NOT authorize my credit to be processed these many times! My credit scorXXXX took a XXXX decrease because of this. Also, XXXX gave me a sheet showing that my XXXX score is XXXX, which is incorrect. I contacted XXXX and they have confirmed the XXXX wasn't my score on XX/XX/XXXX. The paper that was given looks like someone typed that information in, it's not a credit score-generated document.
Consumer complaint received 2023-05-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BCG Equities, LLC (WI)

Just received notification that I was sued by this company, or actually it's a debt buyer that just happens to be owned by a law firm that also sues for other debt buyers, or so I was told. I literally found this out after receiving an unsolicited letter from a bankruptcy attorney. Case number is XXXX I'm on social security XXXX. Obviously with a limited income, there will be debt but they never notified me about this debt. If they did, I didn't hear from them. They just went ahead and filed a lawsuit. I know that's their business model, but I don't think suing someone who obviously doesn't have very much money without notifying them first is very ethical. 

They might think different, as they are attorneys.