davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-23
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. (NJ)

Someone applied for credit for the following companies and they are reporting on my account as inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602A. States 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 my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-01-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (IL)

WELLS FARGO FALESLY REPORTED MY LOAN AS A REPOSSESSION FOR APPROX FUVE YEARS I COULD NOT GET A LOW or normal interest loan from approx XXXX to XXXX, even though my payment was always current. This caused extreme hardship when I tried to get a business and car loan. The report may have finally been removed after Wells Fargo ruinedmy credit and good name. I am asking for {$50000.00} in damages from the Wells Fargo settlement, or the maximum amount available. Wells Fargo was contacted multiple times and had the payment information but continued t falsely report my vehicle as a respossession. No one ever held WELLS FARGO ACCOUNTABLE FOR WHAT THEY dId and great emotional and financial hardship they caused me.
Consumer complaint received 2023-01-23
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XX/XX/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 Balance : {$3000.00} XXXX XXXX Balance : {$100.00} XXXX  XXXX Bankruptcy Date XXXX : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-01-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc. (TX)

I have ~ {$65000.00} in crypto assets on blockchain.com. On XXXX XXXX XXXX, my account was locked from trading or withdrawal on the basis of identity verification. I started a support ticket then to get help and the support officer asked for information to process the ticket. I provided the information requested immediately, but did not hear back. I followed up continuously over the past few months on the online chat function as well as on the ticket. However, they kept referring me back to the ticket and asked me to reply to the ticket, which has received no response. I would like to withdraw my assets immediately. This is extremely unacceptable and the company needs to provide a satisfactory resolution path asap. Blockchain.com looks like a reputable platform with " security '' features, but it's simply not acceptable to take months for consumers to access and withdraw their assets. I would not recommend this platform.
Consumer complaint received 2020-04-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc. (IL)

I have attempted numerous times to have information regarding a collections account removed from my account. This account has been on my credit report for nearly 6 years now incorrectly. I have attempted to resolve this with both the company and XXXX credit agency to no avail. My problems with the account are that I have never owed this company or XXXX any money. I have also never paid either of these companies any money for resolution of this issue. This company had 2 collection accounts on my credit report from XXXX. My most recent attempts at resolving this started approximately XX/XX/XXXX at which time I contacted eastern account systems. I called them and asked what this debt was regarding. The customer service agent, who did not give his name, stated there was no account listed under either my name or social security number and that his company did not do collections for XXXX. I then called XXXX and opened a dispute on XX/XX/XXXX regarding both accounts listed in collections. On XX/XX/XXXX I received an update in my XXXX account that the account was deleted. Upon review on one of the two were deleted. On XX/XX/XXXX XXXX I called for follow up and was told that the account noted the information regarding the remaining account was to be deleted with 72 business hours and if it still remained to call back. I called XXXX again on XX/XX/XXXX at which time the representative told me that there were no notes on the account regarding the remaining account from eastern account systems and that the company had said the collection data would stay on my report. Following that conversation I called Eastern account systems who miraculously was then able to locate the account. I asked when and where notice of this account was sent. The reply was notices were mailed to an address I do not and have not lived at. These notices were mailed on XX/XX/XXXX and XX/XX/XXXX of XXXX. It should be noted that the notices were sent after the collections account was opened, which I do not understand. I explained to them that I have never received notice of this and only found out about it when I obtained a credit report for myself. I was never notified of the debt nor was a debt verification ever done. I explained to the customer representative, XXXX XXXX, these facts and the fact that one of the accounts was removed from my account for be inaccurate to which he replied I was not telling the truth. I have attached copies of tax return cover pages with my address for the years XXXX showing that's not my address and that I would have never received notice about a debt that was not mine
Consumer complaint received 2023-01-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (LA)

Had XXXX modifications ... XXXX and XXXX. 

Wells Fargo said I was approved for a modification and then put my house in foreclosure XXXX  times when they had all of my documentation. They told me for almost a XXXX XXXX XXXX XXXX to not pay and to send in documentation. I always sent in what they needed and they would say they had everything and then say that I didn't send it. It went to another person to handle and the process started over. It was charging me interest the whole time. 

I owed {$77000.00} in XXXX and now I owe {$130000.00} in XXXX.?????? Their fault due to repeatedly asking for the same paperwork over and over and saying I didn't send it when I have proof I did. Putting my house in foreclosure for no reason twice. 

I bought my house in XXXX for {$92000.00}. XXXX  years later I owe {$130000.00} ...??? 

The only reason I saved my house in the last foreclosure is because I did research and found out they couldn't follow through with foreclosure because my account was in the middle of being sold to another company... ..I know I was not treated fairly.
Consumer complaint received 2023-01-22
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (PA)

This account was established for my government unemployment deposits. I had security set to advise me, via text message, of all transactions. On XXXX I called to check my balance and heard transactions that were not mine. I thought it had to be an error, I called Reliacard and was transferred to fraud dept. I informed them that I did not authorize any ACH transfers nor have I ever done any ach transfers on my account. I have written and called Reliacard on several ocassions to no avail for over a year waiting for requested proof of documents for the change of data. I filed a police report and provided them the information, to no avail. They've responded no error found and send me transaction information instead of history and proof that I made the call or change of record! During a conversation with the fraud dept, their notes indicated the phone number change was by a male. I told them it was impossible, how could they make a change and not follow up and confirm with written notification. How could they accept change information from a male! I never received notification that such a request was made. They only replaced the bank card and account number. Never provided any proof I made the change and ach transfers.Reload money and issue a new card mail to XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XX/XX/1987 ssn XXXX
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax removed this 30 day late error on my credit report for quicken loans. I asked for proof/paperwork for this XX/XX/XXXX day late which I have never received. Equifax went back and put the XXXX date late error back on my credit report after specifically stating they did not find a 30 day late. This is illegally to remove an error then without my consent add it back to my credit report. There is a paper trial showing this with consumer finance. This is incorrect use of my credit report. If this is not removed IMMEDIATELY I will be forced to take legal action.
Consumer complaint received 2023-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

Portfolio Recovery Associates , LLC contacted me about a debt owed to XXXX XXXX. They called me while I was doing university work ; therefore, I could only be on the phone briefly. They should have emailed me to find a convenient time to call me. It was very intrusive and disturbed my important computer test for XXXX XXXX XXXX They could argue my phone should have been silent, but I was in the comfort of my home ( I attend University Online ) and left my phone on just in case someone needed to reach me for an emergency. The University did not require my phone to be off, so I left it on for emergency contact only ( my mother is elderly, and I am one of the few people she can contact in an emergency ). The phone number was an area code I recognized, hence why I answered the phone. 
Furthermore, I am not sure if the debt is mine. I have had credit cards, but that was over ten years ago. Hence I need to do an investigation to confirm the debt is mine. I did say over the phone that I did not have money to pay any debt because I am attending University and all my living is being covered by money from the University. I did not agree to anything over the phone. I did say to send me more information later because I could not be on the phone. My mind was focused on my University work, so I said the first thing that came to mind to disengage the call. I feel like I was being coerced into resetting the statute of limitations. If there is debt, it has surpassed that limitation by a lot. No actions have been taken except for the attempt to collect a debt. I received a phone call from this collection agency on XX/XX/XXXX for {$510.00}. They did sent me a letter that required me to prove I was going through a hardship ; in response to telling them to contact me later. Despite that, I was not trying to open a line of communication with them ; they should have emailed me to figure out when a convenient time to call would be okay.
Consumer complaint received 2023-01-22
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: MOHELA (OH)

I have loans attached to my account. My name is XXXX XXXX XXXX and there is a name attached to my account of someone with the name XXXX XXXX XXXX which is not me.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

Experian has defamed my character and committed fraud by falsely reporting accounts, addresses, inquiries, and employers on my consumer report. Experian refuses to provide all documents used to verify any thing on my consumer reports.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

I legally changed my name in court of law in XXXX XXXX Florida on XX/XX/XXXX. That day I changed my name, using the court order, with the Social Security Administration. Later, the next week, I began changing the name on my driver 's license, bank accounts, utility accounts, etc. 

In XXXX, I discovered that none of the credit reporting agencies picked up on my new name, so I contacted each XXXX. XXXX allowed me to change my name on my credit report over the phone by extensively asking me information on my credit history in which only I would have the knowledge. Experian required a copy of the court order, my new driver 's license, XXXX utility bills in my new name and my new Social Security card by mail. I sent them all of that information by mail with a tracking number. 

I then received an email from Experian, after logging into their website and looking at my account. My Experian account said I had NO XXXX XXXX. Since I am XXXX XXXX XXXX and have bought houses, cars and have had investment accounts over the course of my life, I found this absurd. So, I contacted them via a form on their website explaining the problem and asking them to move my information from my old name to my new name, since only my name had changed and not my credit history. 

I received an email reply from " XXXX XXXX '' stating : " Thank you for contacting Experian. I understand the concern with your score. 

Your score XXXX not be available at this time. Upon checking your account, it shows that there are no trade lines that are 6 months or older- XXXX Report. 

You can add self-reported utility payments to your credit report through XXXX XXXX ' which can instantly increase your FICO Score based on your Experian credit report. '' This seems to be a predatory business practice and XXXX discrimination. Are they telling me that every woman who gets married loses their credit history when she takes the name of her husband? And does every husband lose their history when he adds his wife 's maiden name to his last name? 

Telling me that I need to pay them ( Experian ) for " Experian XXXX '' and to personally and manually take the time to provide them with my last XXXX months of utility bills ( which I don't have since I won't have my new name for XXXX months until XXXX, XXXX ) seems like a slimy way to chisel money out of people who have had a XXXX XXXX in the XXXX 's for years. 

This predatory practice and XXXX discrimination needs to stop and my credit history under my old name needs to be restored, since I am the same person I began to be 73 years ago and have had a credit history for over 50 years.
Consumer complaint received 2023-01-22
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: WELLS FARGO & COMPANY (CA)

On XX/XX/2021, I purchased 2 tickets using my Wells Fargo credit card for flight for XXXX. The transactions werent going through with the phone representative, so I got on the phone with wells fargo to help the transaction go through. It finally did once XXXX individual tickets were purchased. However, I was charged for the XXXX separate tickets as well as the larger transaction for XXXX tickets. I reported the error to Wells Fargo and they opened a claim. However, they closed the claim since the amounts did not match. I reopened a claim. The claim was closed again. This cycle has repeated. This has not been resolved for going on 4-5 months now and Wells Fargo is not resolving the issue and instead making me reopen a claim they will not solve just close again triggering the 120 days they have to look into the claim. They owe me over {$2000.00}. My claim number with Wells Fargo is : XXXX
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC (NC)

Ive submitted a dispute to Early Warning services regarding incorrect reporting from XXXX  XXXX XXXX and they refuse to fix it. 

XXXX  XXXX XXXX reporting that I had fraudulent activity on my checking account and status shows as unpaid and opened which prevents me from opening any checking accounts at any bank. Ive contacted XXXX  XXXX XXXX and they said I dont owe them anything and balances across all closed account are XXXX. But Early warning services refuse to take action and correct this information or delete it.
Consumer complaint received 2023-01-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

On XX/XX/XXXX, I went into toyota to buy-off my lease. Prior to going into the establishment, I spoke with XXXX Toyota staff, XXXX, who stated if I was buying out the car they would not have to run my credit. Upon arriving to the establishment, XXXX stated XXXX was not in and he would be the one taking care of me. I made it clear that I did not want my credit ran, in which XXXX stated that it was policy and that he had to run credit, they do for everyone. I was not told I can bring in cash, I was told there was not other option, and so he proceed to run my credit. The next day I called XXXX TOYOTA, spoke to a sales associate, asked if I was going to pay cash to buy out my lease is there a need to run credit to which sales associate responded there would be no need. I was advised that I can VOID check, bring in cash and have inquiry reversed. I did exactly that, went in with cash payment, and they gave me check back and made it a cash buy out. There was never a need to run credit or do financing, and not what I wished to do. 

On XX/XX/XXXX, I went into XXXX Toyota and paid for it in CASH. I have receipt that the car was paid for in CASH. 

On XX/XX/XXXX, I called XXXX Toyota was advised I need to file a dispute with XXXX and they would reverse it. On XX/XX/XXXX, I called XXXX to file the dispute and was told XXXX TOYOTA needs to initiate it, I returned call to XXXX TOYOTA, to manager of XXXX or was told it was manager of XXXX who stated they can do it, however, XXXX is responsible to complete that task and he is not in until Monday, this is when he would do it. On XX/XX/XXXX, I called to follow up with XXXX, XXXX stated this is not something he could do, and when I asked for a manager XXXX XXXX stated, " I am the XXXX, '' when I requested he transfer me to someone above him, " There is no one above me, '' when I continued to request someone above him he stated, " No one above him is in, '' and proceed to say goodby and hang up. I returned call to XXXX TOYOTA, spoke to the receptionist who stated XXXX XXXX was his manager, and transferred call over to him. XXXX XXXX answered the phone, and was in fact in the office, stating that he would call XXXX Toyota on Tuesday, XX/XX/XXXX, to put in the dispute request ( per consumer request, because that is the only way they can file it per XXXX XXXX ) and that by his experience it does not reverse. I stated that I wanted him to proceed with putting in the dispute request and I would follow up on XX/XX/XXXX. I then contacted the general manager, XXXX XXXX, to update him about the current situation and that I would be following up on XX/XX/XXXX. 

On XX/XX/XXXX, I went in to XXXX TOYOTA, spoke with financial consultant, provided CASH, and had check returned/voided. They have video and audio recording of this occuring. 

I paid cash for buy out of the car, there was no need for a loan or financing, or credit check, and the hard inquiry needs to be reversed.
Consumer complaint received 2023-01-22
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: The CMI Group, Inc. (LA)

I filed a dispute with the credit bureaus for inaccurate information on my credit report and they investigated it and it was deleted from my credit report for several months.And then it came back with a different reporting agency.
Consumer complaint received 2023-01-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (IN)

I have a debt and marks against my credit history. I do NOT live in a state that has a Wells Fargo. I have never had a Wells Fargo account. I would like this debt off written off of my credit history and compensation for marks against my credit when I've NEVER had an account through Wells fargo
Consumer complaint received 2023-01-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (DE)

I have a mortgage with Wells Fargo and on several attempts I tried to get a modification due to a change in my financial situation however Wells Fargo continued to decline and delay in decision I had to file bankruptcy to try and get some sort of relief of course now my credit is destroyed