davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NE)

I was attending college at XXXX XXXX, back in XX/XX/2014. When I had stopped at a gas station to make a with draw from my checking account I with drew XXXX   dollars and still have my receipt for when I last used my account that day. I reported my card stolen the moment i found out the bank was trying to reach me at my house phone, I wasn't there nor able to get to the call until I went to the bank and found out my account was negative at a outstanding negative balance,. I said that cant be I had over four thousand dollars. i had looked for my debit card every where but couldn't find it after my last transaction. I have my police report and i filled out two identify theft packets at the time in the year of XX/XX/2014. I can assure you that no one else had my pin nor i shared my bank info with anybody. i have talked to various lawyers about this case on coming to a resolution with the bank and being able to get a subpoena, to try to check the atm cameras on who really made these transactions. i also spoke with a detective from fraud over this matter but than he also got bored of trying to help me fix this problem like if he didn't want to deal with it no more. the bank sent me a statement of the transactions that were being made and i showed the detective of all the ones i don't recognize which was the majority. the fraud checks that were deposited are not my signatures, i showed the detective everything that would be able to help me in this case. i still to this day don't like my money sitting in the bank due to this matter i got robbed by someone who committed fraud on me and i hope to come to a resolution with the bank because the bank only acknowledges the negative balance on the account but not the money that was in the checking account before it went missing. therefore im not paying the negative balance because this is fraud and can assure you i will not rest until this is solved and every one is happy. like I said till this day i haven't been to the city where all these transactions took place. and as i recall wells fargo was going through a crisis at that time of year where fraudulent accounts were being created by employees who worked for wells Fargo.
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I paid XXXX XXXX {$2000.00} to bring an account current, yet at the same time ( 48 hrs ) the account was reported as charged off. I was told by customer service that the status would be rolled back ( I have this conversation recorded ). Yet every call I make to them results in my being transferred to a call center overseas and people who claim to not know anything about it. I would think there would be notes on the account from customer service. I even offered to pay the balance in full immediately, even though the $ XXXX is more than the amount needed to bring it current. The account was late in the first place due to divorce and the ex emptying accounts. XXXX was aware of this, and I was told that the department needed was not open on weekends. They did not contact me via mail. They have my email and did not contact me there either, or via phone. I was told they had an old phone number yet I had updated it to the one I've had the last 7 or so years. I had an excellent history with them before this. Their reps in other countries contradict what they say and I have recorded countless calls with them where I get different information depending on who I speak to. This is misleading, fraudulent, and they should not be allowed to treat consumers this way. Especially a consumer who is not asking for a settlement, but who wishes to pay the full amount due. Their incorrect reporting will now result in my children and me having a difficult time securing a residence, and also impact my ability to get a job.
Consumer complaint received 2023-05-07
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: Experian Information Solutions 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 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX & XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been trying to get this financial institution to remove this bankruptcy listing on my particular credit report since XX/XX/XXXX and they refuse to do so. My bankruptcy was discharged in XX/XX/XXXX. My bankruptcy began in XX/XX/XXXX. All of my bankruptcy records have been dropped from all 3 of the reporting bureaus with the exception of this one record from this one bank and they are only reporting it to this one credit bureau. This is preventing me from refinancing my mortgage and getting rid of my current interest rate of over 7 %. Since this particular credit bureau has allowed all of the other previously listed bankruptcy creditors to be removed from my credit report, why is this bank being allowed to have this one negative record to stay continually listed in my credit report? This credit bureau is refusing to remove this record and I have written to them multiple times and have gotten the same response. They tell me that the record is accurate. I am not disputing the accuracy of the record. I am disputing the fairness and the logic of their actions. It is not logical that all of the other bankruptcy records from all 3 bureaus have been removed and that just this one remains. The bankruptcy was discharged through the courts, therefore the debt to this creditor has been satisfied and no further monies are due. Title to the vehicle was issued to me by this bank and I do not even own the vehicle any longer. In fact, the vehicle has been scrapped.
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I contact the company and inquiry about a negative on my credit report and its states that I am been late in paying them every month with credit bureau. The account has been close for three years so how can I be late paying them.
Consumer complaint received 2018-05-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MA)

Our company has been trying to get a short sale reviewed in its entirety and approved from back in XX/XX/XXXX. The primary homeowner and mortgagor passed away and left his house to his wife who still lives in the house. The Servicer, Ocwen, received all the short sale documents including the offer but refused to keep moving the process along until the wife of the deceased mortgagor went through a probate in order to sign off on any paperwork regarding the loan and the short sale. The wife of the homeowner has no money and the deceased mortgagor was their primary source of income so she struggled to figure out who can pay for the Probate process which would cost anywhere from {$2000.00} to {$3000.00}. The Buyer was reluctant to pay for the Probate at first but we were informed by Ocwen that the foreclosure would be on a standstill since we are still active in the Short Sale process. The buyer agreed to pay for the probate and the Probate attorney has been working with the Homeowner all this time to get documents processed to the Probate court. The homeowner received a foreclosure notice last week that the house is now being foreclosed as ordered by Ocwen on XX/XX/XXXX.  The probate is VERY near to it's completion. I spoke to the Escalation office that we have been working with on this file and requested that the foreclosure date be postponed so we can continue the short sale and get it closed. The escalation rep explained that without the complete set of paperwork ( a revised Settlement statement which we can easily send, and the probate documents ) they wouldn't be able to postpone the Sale! So Ocwen required the homeowner to go through probate to sign documents despite the deed being in her name ( she is not on the loan ) and now they are not allowing the foreclosure date to be postponed because of their need was not met. I explained to the Escalation rep that I would send her all that is needed by next week but we would like to see if CFPB can assist in this so the postponement can be ensured.
Consumer complaint received 2018-06-01
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. (FL)

In XX/XX/XXXX I provided a letter directly from the company stating they have requested all three credit agencies to remove the remark. This still hasn't happen. I have attached the letter, please process the request.
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (WI)

Two days ago I called XXXX & XXXX to cancel all of the mailings I had been receiving the number of years. I got letters about business ratings. I sold my business and the current owners were getting my XXXX & XXXX letters and it was a nuisance. XXXX & XXXX would not grant my request without my giving them my SS number. I refused. There was no need for them to have it. I was doing no business with them. Today, as I checked my credit report, I see a hard inquiry from XXXX XXXX, which happens to own XXXX & XXXX. I called XXXX XXXX to dispute and was told I need a letter of deletion from XXXX. The phone # for their info takes me to the mail room. I was giving another number to call. That just put me in a run around with no human contact. I tried another number, got a person, told my story, told they did not have permission to do a hard inquiry, that I needed a letter of deletion. I was told that in order to get a letter, I needed to give them my SS #. I said NO. If they did the fraud by making a hard credit inquiry, gave themselves access to my credit history, who knows what else they could do and why would I trust them with my SS #. So I received no satisfaction what-so-ever and I am the one with the undeserved point drop in my credit score.
Consumer complaint received 2018-05-31
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: Rocket Mortgage, LLC (NV)

XXXX a company consumer reporting agency located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX has false information reporting thereto third parties such as Quicken Loans and other agencies whom stated that they found negative reporting and could not fund our loan. This information is unknown and is falsely reported. I have never heard of XXXX until XX/XX/XXXX. They had my birthday ten years older than what i am and one day removed from my original birth date. Something is very strange with this information they posted. Quicken Loans denied us after we went over the information due to some unknown issues newly found. XXXX and Quicken loans working together. XXXX  { XXXX   } has been harassing us since they alleged to have acquired a loan from the FDIC on XX/XX/XXXX. At the same time i, was battling to regain my investment with XXXX XXXX XXXX. XXXX. so that is how this began.
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (AZ)

I paid XXXX XXXXXXXX {$2000.00} to bring an account current, yet at the same time ( 48 hrs ) the account was reported as charged off. I was told by customer service that the status would be rolled back ( I have this conversation recorded ). Yet every call I make to them results in my being transferred to a call center overseas and people who claim to not know anything about it. I would think there would be notes on the account from customer service. I even offered to pay the balance in full immediately, even though the $ XXXX is more than the amount needed to bring it current. The account was late in the first place due to divorce and the ex emptying accounts. Syncrony was aware of this, and I was told that the department needed was not open on weekends. They did not contact me via mail. They have my email and did not contact me there either, or via phone. I was told they had an old phone number yet I had updated it to the one I've had the last 7 or so years. I had an excellent history with them before this. Their reps in other countries contradict what they say and I have recorded countless calls with them where I get different information depending on who I speak to. This is misleading, fraudulent, and they should not be allowed to treat consumers this way. Especially a consumer who is not asking for a settlement, but who wishes to pay the full amount due. Their incorrect reporting will now result in my children and me having a difficult time securing a residence, and also impact my ability to get a job.
Consumer complaint received 2018-05-31
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (VA)

I purchased a XXXX XXXX XXXX in XX/XX/XXXX jointly with a friend of the family. The car was a total loss as of XX/XX/XXXX. The insurance issued payment in XX/XX/XXXX which brought the principal balance down to roughly {$8000.00}. Santander recalculated interest and modified my payment. I filed the claim with GAP ( which later I learned should have been handled by Santander, but they dropped the ball ) and the Gap company, using the payoff date of XX/XX/XXXX, paid the remaining balance. I was then told by Santander that I had a $ 500-ish balance because GAP didn't cover all the fees. I contacted GAP company for clarity who advised that they did in fact cover all the fees and that they paid according to the payoff. I chaulked it up to a loss, and asked Santander to modify my payment with the new principal balance, that way I could make affordable amounts on the account without falling behind, since I had to finance another vehicle. They told me that the first modification was a courtesy and they were under no obligation to do another so they couldn't help me. I have called repeatedly trying to figure out what the $ 500ish amount was. One person told me it was a payment that wasn't made, etc. etc. I have not gotten a straight answer from them and now my credit, along with the joint debtor 's credit, has taken a hit. In my review it looks like they, even though they received a the insurance payment and the GAP payment, still expected me to make an additional payment and I don't understand where that payment is coming from. The maturity date on my loan still says XXXX, but they never adjusted the payments to spread them out over that time period. Not that it matters, because I wouldn't take that long to pay it, but it would make it easier for me to manage right now. I am very suspicious of their accounting practices and lack of ability to answer questions or disclose information. I can understand having some lingering interest charges one both insurances paid out, but enough to equal another payment seems ridiculous to me, especially when they would have received their GAP insurance payment much quicker if they had done their job. I shouldn't be punished for their inability to perform their job adequately. I made a {$400.00} payment today which leaves a {$140.00} principal balance, however the payoff is {$710.00}! I dont understand the amount of fees they keep adding to this loan. It seems like they don't want me to be able to pay it off.
Consumer complaint received 2018-05-31
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. (PR)

In XX/XX/XXXX, exactly at the same time over 5 hard inquiries appeared on my Equifax Credit Report which clearly did not belong to me. I called Equifax locally and spoke to someone, I placed a dispute in their website and called the national phone line. All of these I tried more than once without success. XXXX XXXX and XXXX  did not reflect this problem. This difference causes a 100 point difference between Equifax and the other bureaus. In the beginning of XX/XX/XXXX I was forced to buy a new car when my older car was damaged in a parking place while I was not in the car. Due to Equifax, I was forced to buy at a higher interest rate.
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (KS)

To whom this may concern : What I want to know is how Experian, let all these accounts fraudually pass through there system when I never opened a member ID with them? They used my name for different loans and credit agencies through 3rd parties. On top of that they dont even have my social security number right. The account has my name and my wifes social. I am very disappointed!!!! For years Ive had to pay out of my federal taxes to pay agencies back that I had to fight because I knew it was not my credit. Ive been trying to get a loan for years and never been able to buy a house or a vechicle to provide for my wife and kids. We have XXXX kids that suffered through all these rough times with us. For somebody else to steal our identity, right from under our nose with not even knowing. I finally caught up with my student loans and I couldnt understand why I couldnt approve for any loans until I finally decided to check my credit report to find out that somebody had stolen our identities. Now under the Fair Credit Reporting Act to know the information contained in my credit report. Now we understand ourights under the federal law and as of now we will be seeking legal actions to resolve this unfortunate matter. This is fraud!!!! How could this happen to my wife and I? We have not been able to prosper for our children. My wife is ill and cant even walk and I cant even afford for her to get seen. We have a son in college and a daughter that is a senior this year and she had to work super hard to get scholarships because we cant afford to get loans approved to be able to contribute to our children furthering there education. Now this matter needs immediate action. 

XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX P.S. Lawfully wedded in XXXX XXXX, IA
Consumer complaint received 2018-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (NC)

PNC Bank XXXX XX/XX/XXXX. A deposit and withdrawal were processed at XXXX XXXX  their cut off time. An ACH was going to be processed by the XXXX. I wanted to close the account but until all ACH transaction had been taking care off, I could not close the account. So I deposited the amount of money on the XXXX at XXXXXXXX XXXX, to cover for that pending ACH. the next day on XX/XX/XXXX, the statement shows a {$36.00} overdraft fee that had put the account on balance by exactly the overdraft amount - {$36.00}. Remember, I wanted to close that account so I made sure the balance was going to be XXXX by the end of the XXXX. I contacted Customer Service the next day ( XXXX ), despite that bank statement says exactly this : 1-Deposit Processed on XX/XX/XXXX XXXX Withdrawal on XX/XX/XXXX balance {$0.00} 3-Overdraft fee on XX/XX/XXXX - {$36.00} Customer service said that they could not reverse the fee transaction cause the money was not available to cover for the ACH, though they both were posted and cleared on XX/XX/XXXX at the bank cut off time of XXXXXXXX XXXX. 
I consider this is an abusive practice, they know I wanted to close the account due to I moved to a state that they don't have branches to bank with, and they insisted that I can not close the account now till I pay the overdraft fee, that I was not supposed to be charged with.