davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

We have received XXXX checks from an insurance claim dated XXXX/XXXX/16. The first XXXX checks were endorsed without issue and the repairs commenced on our home. The XXXX check was the result of a settlement between us and the insurance company. Wells Fargo refused to endorse this final amount and has since held the funds in escrow despite our repeated documentation that this final settlement contains portions of personal property and costs incurred, which the mortgage company should not hold in escrow but return to us. Wells Fargo is refusing to do so until an inspection takes place despite documentation of Certificates of Completion from the City of XXXX for work requiring permitting, detailed documentation from our lawyer, a settlement agreement, and several requests in writing directing the personal property portion be returned. Wells Fargo keeps us on the phone for hours with Tier XXXX CSR 's until no effectual resolution is reached.
Consumer complaint received 2016-10-02
Product: Bank account or service — Savings account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (NJ)

Wellsfargo bank in Nj has token {$200.00} dollars from my account in XXXX and XXXX ofXXXX they also has taken {$20.00} dollars from my on today XXXX XXXX. I have reported them several times to there Corporate office in Nc. This is fraud and I had enough I do n't work hard for there employees to steal my money. My names is XXXX XXXX
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (WI)

On XXXX XXXX 2023 I received a deposit of {$80.00} from XXXXXXXX XXXX that said complete I also received another deposit from the same place and same amount bit that one failed due to Cash app closing my account meaning I shouldn't be getting anything deposited into that account. On or about XXXX XXXX 2023 I purchased {$84.00} from an online store called XXXX well I received a {$77.00} refund from XXXX well Cash app took it on XXXX XXXX 2023. I called cash app and asked them where did my deposit go they said that my account was in the negative which it should not have been cause I did not get any money from Cash app I asked to speak to a manager about them stealing my money. I keep receiving emails from Cash app stating they are checking into it but then it goes on to say that they can not give me any information about my account. I spoke to 3 different people on XX/XX/XXXX to no avail this issue with Cash is making me have XXXX XXXX I changed prepaid company and no longer have cash app I just want my money back
Consumer complaint received 2015-09-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

After disputing the status of the XXXX account on my credit file, Equifax continues to report that the XXXX account status is a " Bad Debt ; Placed for collection ; '' and with XXXX missed payments. '' This is incorrect. The XXXX account status is closed with a {$0.00} balance and paid as agreed. Equifax has not provided any method of verification for this account or the supposed company that this account was placed in collections with.
Consumer complaint received 2015-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CORELOGIC INC (MI)

On XXXX XXXX, 2014, I contacted XXXX just to inquire general information on obtaining a mortgage. I made it more than clear, I was just looking for information and not ready to take action. The representative on the phone told me he would run a SOFT inquiry on my credit and that it would not affect my score. He ran my credit ( and my wife 's too ) and later that week, I see it was indeed ran as a HARD inquiry. I called and wrote asking for the audio from the call since I know they are at times recorded. I NEVER gave XXXX any permission for a HARD inquiry and I would not until I was at the stage to actually purchase a home. I feel tricked and manipulated by this company.
Consumer complaint received 2016-09-23
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (FL)

Date : XX/XX/XXXX To Whom It May Concern : XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX XXXX, XXXX XXXX Please take notice on this date, the nature of this letter is to request the removal of the fraud alert on my personal credit reports. And correct my personal information As you will see bellow, my correct identification information for your records : XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have been living here since XX/XX/XXXX Please update my personal number to my credit profile XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, HOMESTEAD, FL XXXX - REPORTED XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX this is an old address ADDRESS : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX - REPORTED XX/XX/XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX - REPORTED XX/XX/XXXXI have also please delete not my address included the following minimum XXXX proofs of my current mailing address Sincerely, Name : XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time.

Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

MY NAME IS XXXX XXXX XXXX OR XXXX XXXX XXXX.PLEAASE PEMENITY DELETE XXXX XXXX FROM MY RPORTS IS ISNT MY NAME...
Consumer complaint received 2024-08-13
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. (IL)

It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant XXXX. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention and resolution of this issue are highly appreciated.
Consumer complaint received 2016-05-16
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (TX)

When I had attempted to, tried to dispute or complain about : inaccurate info on my report! Equifax had literally shut that down, even before it got started! This had taken place, in XXXX of this year! It also would be fair ; to state, and conclude for the record! That Equifax are also involved in, this conspiracy plots : to destroy me, and or demise my health overall! Went as far as, to try to get me, caught up in : their so called free trial credit monitoring scheme! However, once after witnessing, and experience it was a hoax, and gotcha moment! Trust me, I had to hurry up, and unsubscribe or terminate my membership altogether! Never looked back neither! So some of this backlash, and their retaliatory measures are ; from that incident, and my complaint against XXXX XXXX! With all these all out attacks, against me personally, and much damage control to my credit history overall! How in the XXXX, can I get passed that CFPB??? Make no mistake about this, that, or the other! There 's entirely too much of the following : personal grudges, hang ups, animosity, hatred, envy, strife, malice, division, fault finding, grievance, finger pointing, mistreatment, bias, lies, hypocrisy, heretic, bigotry, deception, attacks, defamation of character, misconception, warfare, blackmail, opposition, threats, close encounters, massive damage control, and there 's definitely too many attempts ; to kill or demise my health overall! Sad point about it all! All three government credit bureaus or agencies are a part of this! What the XXXX is Really going on Here CFPB????
Consumer complaint received 2016-05-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

I am the author and owner of all communications withing this complaint. I do not agree to allow this complaint to be managed outside of the portal. 

My Credit report currently has " XXXX XXXX '' reporting inaccurately, and in an incorrect manner. 

I dispute the validity of this account/Tradeline. 

1. The " Type of Account '' says NA, and should be " Revolving/Option '' 2. There is no Payment History in this account - and there should be as this account was opened for over 3 years 3. There is no Balance History in this account - and there should be as this account was opened for over 3 years 4. Because this account has no Payment History, please verify its Status/Major Delinquency date 5. Because this account has no Balance History, please verify its Status/Major Delinquency date 6. This account has no Activity Designator, and should as this account is Closed Please Validate this Tradeline, and resolve the errors - or Delete this account. 

Please provide a printed report, when resolved.
Consumer complaint received 2016-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CA)

Attached you will find documents regarding an account on my Equifax credit report that needs to be deleted. XXXX and XXXX already deleted it. But as of XXXX XXXX Equifax just reported it. The XXXX account that was opened in my name is not mine. The documents will explain in detail what happened. The other credit agencies have already fixed this problem. I am expecting the same from Equifax. Thank you.
Consumer complaint received 2017-01-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NC)

I have disputed a Lien and a judgement that was placed on my credit file in 2014. I have requested information and also asked for verification of these accounts be sent to me. As of this date the the credit bureau has verified this account but I have yet to receive any information on any of these XXXX accounts. I also disputed a XXXX account, and a XXXX account that has not been verified, and I have no information or paperwork on neither of these account. I also disputed a student loan on my account that is reporting that i missed a payment and I have never missed a payment or been late ad I asked for it to be verified and I have not recieved any paperwork back on this account.
Consumer complaint received 2016-08-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MI)

Equifax Only removed XXXX out of XXXX XXXX XXXX Hard Inquiries where they should of removed XXXX. The XXXX one was from XX/XX/XXXX and should of been removed with the others. 
The XXXX XXXX was removed but the XXXX was not removed.
Consumer complaint received 2016-12-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (UT)

In XX/XX/2016, I checked my Equifax credit report. I noticed an old medical bill that my insurance had supposedly taken care of. The bill was from XXXX. Upon attempting to dispute the bill with them, I found that they were completely unresponsive, and unhelpful.
Consumer complaint received 2016-10-21
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (NH)

My issue is in regards to my credit score and why it has dropped XXXX points. I have a print out of my yearly Equifax report and it shows no changes for the past year so why the drop in points. I carry no unpaid monthly balances and have always paid my bills on time. The Equifax report shows -- length of credit history 31 years 2 months with the average account age being 17 years 5 months. I also have no negative accounts so I would like to know why has my credit score dropped XXXX points as shown on my XXXX program?
Consumer complaint received 2015-10-15
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (TX)

I had a XX/XX/XXXX chevy XXXX. I leased this vehicle XX/XX/XXXX for XXXX miles a year for 39 months. During the period of time I had this car, I had at least XXXX recalls, as well as a blown transmission only XXXX miles into the lease. Needless to say I have been disappointed. At my 36 month mark I decided instead of bringing back in for ANOTHER recall issue, as well as additional transmission issues, that I would return my lease early and ask for my last XXXX payments to be waived. I called customer service at GM financial, and I was told they could not help me, and that I needed to call GM corporate. I called GM corporate and they said I had to call GM financial. Round and round we go. 6 hours over several days on the phone and no help. I finally get a " ticket '' and was told to bring the car to the dealership, they will do a diagnostic, and my payments will be waived. I returned this vehicle on XXXX after being told by GM that if I return the car, they will waive the remainder of the payments. Please note at time of return I only had XXXX miles on the car. WELL below my lease allowance. Well, I got a kick in the face on XXXX, GM financial removes {$460.00} from my bank account for this car that I no longer have. I tried calling again, only this time to be transferred numerous times and hung up on. I was also told that " there are no supervisors to speak to, they are in meetings ''. My fear now is that not only am I out the {$460.00}, but that they will continue to charge me for 2 more months for a defective car that I have returned. I want my money refunded, as well as any future payments waived.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX : Balance : {$1000.00} Account Name : XXXX : Account Number : XXXX : Balance : {$3400.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number XXXX XXXX : Balance : {$1600.00} Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account XXXX XXXX XXXX : Balance : - {$760.00} Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX : Balance : $ {$2500.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. 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 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 2023-04-20
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: Experian Information Solutions Inc. (TX)

I have filed numerous Account verification letters and I have filed inaccuracies letters. All over the last two years with the most recent being XX/XX/2023 via certified mail. XXXX XXXX XXXX
Consumer complaint received 2017-01-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (GA)

Student loans are more than XXXX and have been closed with original loan servicers paid off and are XXXX through XXXX for XXXX they are no longer delinquent since XXXX. Bankruptcies were XXXX or dismissed but still reporting violating confidentiality. Collection accounts for utilities companies are invalid. Accounts remaing after bankruptcy XXXX. Request removal of all inquiries. This prevents my family from for qualifying for any mortgage. No change in my credit score since bankruptcy XXXX and have opened new auto loan and credit cards. XXXX Equifax and XXXX are the violating companies.
Consumer complaint received 2016-02-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (GA)

My accounts have been charged overdraft fees for several years without my consent into the program. When I learnt of the Cfpb rule on this practice, I contacted the bank to show me the single page opt-in consent form that I should have signed according to the cfpb rule but they could n't 3 weeks after I presented the issue to them and up to their legal department and several trips to their local branch office. 

I want the bank to refund all monies that is owed to me through these unauthorized charges since the opening of both accounts.These accounts were both checking and savings, only one option is being allowed in the drop- down field below.
Consumer complaint received 2016-01-29
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (CA)

Today I received a letter from Wells Fargo Stating that our house is not qualified for FHA Mortgage Insurance Removal. I contacted wells several and explain the FHA rules in regulation regarding FHA Mortgage Insurance Removal, according to Wells Fargo agent ( XXXX ) he said were not qualified of removing our FHA Mortgage Insurance, According to their letter dated XXXX XXXX, 2016 " The mortgage insurance will expire is based on the original amortization schedule at the time of closing. According to that schedule, your mortgage expiration date is XXXX ( i ca n't find in the our contract ). You must also meet the 78 percent LTV ( loan to value ) requirement. Your mortgage will reach 78 percent LTV when principal balance reaches {$490000.00}. Your current principal is {$540000.00}. Please note that new appraisal will not be taken into consideration ''. The last paragraph stated " Please note the new appraisal will not be taken into consideration, this wrong statement. According to Federal Housing administration " one of the requirement can remove the FHA mortgage insurance based on new appraisal of the property ''. Now the value of our house is approximately {$10000.00} ( XXXX XXXX and XXXX XXXX thousands ). According to Wells Fargo we are not qualified to remove the FHA mortgage insurance and the appraisal will not be taken into consideration. Wells Fargo is wrong. I have the documents that I can prove that wells fargo doing is wrong, they are not following the rules and regulations of FHA procedure.