davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (SD)

This complaint is in addition to CFPB case XXXX, an open case. 

As stated this occurred in 2007 as a refinance through Wachovia Bank that was bought out by Wells Fargo as Wachovia had financial trouble. Wells Fargo continues to state I did not disclose the XXXX XXXX XXXX XXXXXXXX HELOC and that I signed an application that did not have the HELOC listed. The Wachovia agent said it wasn't listed because there was no balance and only accounts that had balances can be listed on the written application and the Wachovia agent was notified that this account was a HELOC. It is up to the underwriters of banks to establish or catch mistakes made by their agents, not the customer as customer pays a credit report fee ( {$340.00} if I recall ) to establish the current accounts where this HELOC would have been listed and was in addition to the disclosure made and while it had a XXXX balance, Wachovia never entered it on the written application that I signed and was their explanation why it wasn't there. 

What is evident and by evidence of other bankers was Wachovia,  being in financial trouble, gave notice to their employees to close as many of these mortgage refinances as they could get in 2007, much like Well 's Fargo directives to employees to create fake accounts that caused major mistakes in the banking industry and now Wells Fargo who purchased Wachovia Bank doesn't want to take responsibility for their mistake and incompetence in loan origination and underwriting responsibility ... which is their responsibility, not the consumer. 

These complaints were filed through the Office of the Comptroller of the Currency, a NA bank regulator and not the CFPB which is interesting why this ended up here as the actions taken by Wells Fargo is in fact a criminal matter.
Consumer complaint received 2019-05-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Suburban Credit Corporation (TN)

1 ). Yesterday, XX/XX/XXXX, I received a letter from Suburban Credit Corporation, XXXX XXXX, XXXX, VA XXXX, stating that I owe XXXX XXXX - XXXX, the sum of {$850.00} for services on XX/XX/XXXX. 

2 ). I called XXXX XXXX - XXXX at ( XXXX ) XXXX, a number I found on their website, and the rep asked for my birthday, which I refused to give. I asked him details about my said service, and he said my said membership has been suspended and I should contact the debt collector. 

3 ). Today, XX/XX/XXXX, I contacted debt collector at ( XXXX ) XXXX. ( The other number on their letter is ( XXXX ) -XXXX-XXXX. The female rep asked for my birthday and I refused and asked to speak with the supervisor. The supervisor wanted my birth date and I informed him I could not give him such a private and confidential information as I did not trust him at all. I told him I do not live in VA and so can not have a fitness membership in VA since XX/XX/XXXX. He then backed down and asked if my birthday was -- -- -- -- XXXX. I said No. he then said in that case I should not worry as it must be an error in the fitness company 's records. 

4 ). I believe this whole thing is a scam and so will like to inform you.
Consumer complaint received 2024-09-04
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: Experian Information Solutions Inc. (FL)

Im really saddened and frustrated to discover unauthorized inquiries on my credit report this evening. Ive checked my report as usual, but this time, unexpected discrepancies showed up. After refreshing my browser, the inquiries still remained. Im asking for a careful review of the documents Ive sent so I dont have to worry about this issue anymore.
Consumer complaint received 2024-09-04
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. (AL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. I had two late payments on an account that I was in fact, paid on time. The consumer report agencies are required to report all information with complete accuracy. This account had never been late. Ive attached a copy of the report to this compliant for the following dates : XX/XX/2023, XX/XX/2023. Im now requesting that you investigate and provide verifiable proof with records showing that i had late payments. If this information can not be verified i demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-09-04
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. (CA)

Recently I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) 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 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors. 
I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2019-05-29
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SUNRISE CREDIT SERVICES, INC (ME)

I received a call from Sunrise Credit Services on XX/XX/2019 in regards to a past due Bill I have. I spoke with an agent around XXXX EST. I asked some clarifying questions in regards to credit reporting on my account. He responded with some very vague answers and then tells me that I NEED to pay my bill. I then question him telling me what I need to do and he responds back by saying he didn't say that, that he said I recommend you pay your bill. He flat out lied to me about that as the agent said I NEED to pay. Which is very misleading and confusing and deceptive by telling me I need to pay my bill. 
As he never asked if I was disputing it which I am The agent then proceeds to tell me that I am wasting his time and hangs up on me. I am very concerned about this behavior and being told that I need to pay my bill and how rude and abusive he was on the phone for lying to me and then trying to cover it up and the fact he hung up on me after saying that I was wasting HIS time. I feel very mislead and abused as well as misinformed by this agents actions.
Consumer complaint received 2019-05-28
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Credit Service, Inc. (KY)

XX/XX/XXXX XXXX Caller from ARA Inc. XXXX XXXX XXXX did not give statement that he was a debt collector or mention the call was being recorded. I did not acknowledge the debt yet he gave the debtor 's personal information including name, birthdate, and full social security number. He said the debt was from XX/XX/1997 in XXXX XXXX. I did not have any car repossessed in XXXX XXXX. He threatened me with legal action and that it would appear on my credit report. I informed him I would not give any information since I did not know who he was so he said he was going to " play this recording, because you are being recorded, to the court. '' The name he gave was XXXX XXXX. I informed him he was not to call this number again.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OH)

My Information was Exposed in a Data Breach and it is reporting incorrect information. It is showing a bankruptcy, and Reporting incorrect information such as XXXX XXXX, and XXXX XXXX  XXXX. Per the The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies. A report with FTC was also made
Consumer complaint received 2024-09-04
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)

I am reaching out to bring attention to the fact that incorrect information is still being reported on my credit file, despite prior disputes. This matter has not been resolved, and the errors continue to appear on my report. 

As this situation violates the Fair Credit Reporting Act ( FCRA ) Section XXXX ( a ) ( b ), I expect that you take prompt corrective action to address the inaccuracies, which I have detailed in the attached letter. 

I trust that this issue will be handled urgently and that the necessary adjustments will be made to ensure accuracy in my credit report. 

Thank you for your immediate attention.
Consumer complaint received 2019-05-14
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. (GA)

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and the aII need to be deleted from my credit report. I've contacted the FTC and the police. I'm doing this on my own. There are still items on my credit that are not mine. XXXX XXXX. XXXX, XXXX, XXXX XXXX XXXX. INQUIRIES : XXXX
Consumer complaint received 2024-09-04
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)

This is very frustrating, as my requests to correct and remove false and inaccurate information on my credit report keeps getting denied and/or disregarded. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy. It's hurting my credit score and impacting my life negatively.
Consumer complaint received 2019-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I was recently went to test drive a new car at XXXX XXXX. After a week of careful consideration I decided to apply for a loan for this car. Moments later I was approved for an extremely high interest rate and thats was unusual. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. I'm working on this on my own behalf and I need this taking care of as soon as possible. I've reported to the FTC and the police. I'm doing this on my own behalf. XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX.
Consumer complaint received 2019-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NC)

Regrettably, I have been unable to confirm vital information from Amex about my cardholder agreement. My understanding is that it states that Amex will pay for mediation over a claim ( notice already sent to their GC ) in the event I file mediation via XXXX or XXXX. Unfortunately, I could not confirm this during my chat this afternoon with an Amex employee. The agreement language seems to read pretty clearly, but considering the massive volume of CFPB and XXXX complaints against Amex as well as my own interaction dealing with their complaint department, I'm seeking certainty. I'm attaching both the chat transcript and the pertinent agreement language. Can you assist me in having Amex confirm that they either will or won't pay for mediation, as they refuse to comment on their own card agreement? Thank you very kindly for any assistance!
Consumer complaint received 2019-05-14
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. (FL)

I made a contract with the XXXX XXXX XXXX without a contract and without placing social security. Cancel the contract because they used deceptive practices. I was reported to the three credit companies XXXX, Transunion and XXXX for a balance of {$190.00}. How did this company get my social security number?
Consumer complaint received 2019-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (PA)

I made a deposit at a PNC ATM. The machine took and counted my money, then canceled the transaction and then the machine malfunctioned and kept the money. This was on XX/XX/XXXX and I have yet to receive my funds.
Consumer complaint received 2019-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

seterus inc was replaced XXXX XXXX due to fraud with my mtg saying that i was not paying my mtg when i was documenting all payments via XXXX XXXX service center agent nevertheless {$40000.00} was added to my mortgage when the remaining mortgage was only $ 40,000.I have documentation and so does XXXX, XXXX XXXX file foreclosure and switch me to Seterus inc where the fraud continued. Seterus inc contacted me XX/XX/XXXX stating that they have money that's owed to me and i need it all now. in fact i need both XXXX XXXXXXXX and Seterus Inc clear the Foreclosure off my credit report completely and reimburse me the full amount they really owe with pain and suffering.my wife called about the reimbursement of the check she was told she could not speak on my behalf therefore we sent a letter into the corresponding inquiries and notices Department in XXXX Connecticut.three weeks & we never got a response.I called in on XX/XX/2019 and was told they had no information loan number XXXX XXXX XXXX XXXX & address no checks. 3 cks 1 ) # XXXX {$2900.00} 2 # {$120.00} 3rd check {$46.00} # XXXX ( please acount for all fraudulent fees charged in fake foreclosure forced me to refinance when I only owed around 40,000 ) I saved all my documented proof
Consumer complaint received 2019-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

AFTER REVIEWING MY CREDIT REPORT, I HAVE IDENTIFIED AN INACCURATE ITEM THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2019-05-29
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. (TN)

Hello I went to my credit union that I have been a member of since I was XXXX to get a car loan and I was not approved. The branch manager went over my credit with me and there are items on my credit that are not mine XXXX/XXXX  and XXXX. I have contacted the FTC and the police. I'm doing this on my own behalf. Please remove these items from my credit report.
Consumer complaint received 2019-05-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NM)

Today, XX/XX/19, XXXX XXXX, Loan Manager from One Main Financial Loan Department called at XXXX  to and offered me a loan of {$10000.00}. He emailed a loan agreement, while I was on the line with him, and I was told to reply to the loan that I agreed, as soon as I said I replied, he hung up on me. I tried to call him back at XXXX  and he hung up on me several times, and now he won't answer. I replied to him through email that I don't agree to the loan agreement. I called the OneMain Financial- Corporate Headquarters and they said they never offer loans over the phone and nobody by the name of XXXX XXXX works for them. However, the email that was sent has the One Main logo on some of the pages. XXXX XXXX has my personal information, as well as by routing and checking account numbers.
Consumer complaint received 2019-05-28
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. (OH)

I have a few accounts that are unverified on my credit report. I contacted XXXX   XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX this the third time I have disputed the above accounts with no response from the collections agency.
Consumer complaint received 2019-05-14
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: RateGenius Loan Services Inc (TX)

It began when I submitted a request with XXXX for their free quotes on refinancing my XXXX XXXX. I read their terms and it states they would gather some information from me an sent it to several lenders. It also states that several soft inquires may occur by the lenders. Within minutes after completing the form for the fee quotes from XXXX I started to receive emails and phone calls from several lenders. 

Once I learned some of lenders offers I declined to continue with the process of getting a loan. Out all the these lenders with their offers, one lender, RATEGENIUS, somehow continued the process by completing a loan application. Then shortly afterward I receive an alert saying that RATEGENIUS had submitted a hard inquiry from XXXX. I ran XXXX XXXX and I learned that XXXX XXXX had done a hard pull on my XXXX credit report on XX/XX/2019. 

Today, around XXXX XXXX I called XX/XX/XXXX customer service and she connected me with the dispute team rep. The dispute rep I spoke to says there is not much I do about this hard pull even without my permission given to RateGenius. I have had several hard pulls in the past, but have never submitted a dispute. Today I decide to submit a dispute and the credit agency tells me I can't do anything but wait 2 years until it is remove from my credit reports. 

I just don't believe nothing can be done about these issues. So I am contacting your agency for assistance in this matter. Please help me in resolving this matter with Rate Genius Loan Services.
Consumer complaint received 2019-05-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Lendmark Financial Services (FL)

Lend-mark has been constantly pulling me credit report each month however ive disputed inquiries from this company several times. They are calling threatening me threatening my mom, my kids and my co workers This company has been harassing me for 9 months straight non-stop. on XX/XX/2019 the company pulled another hard inquiry without my consent this is the 4th inquiry pulled from this company without my consent
Consumer complaint received 2024-09-04
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. (NC)

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX # XXXX -Balance {$250.00} - Date opened XX/XX/XXXX Unauthorized inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Franklin Collection Service, Inc. (CA)

XX/XX/2019 ; Reported to collections showing on my XXXX report. For last month, repeated phone calls to my cell phone and my boyfriend 's cell phone trying to reach me to pay a debt I do not owe. I have an open claim with XXXX regarding Franklin Collection Services XXXX. They have reported a negative balance and collections to my credit report six times in the last month.
Consumer complaint received 2019-05-14
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. (NY)

Since XX/XX/2015, have been trying to get this removed off my credit my spouse had filed Chapter XXXX XXXX XXXX XXXX XXXX this had went to a Collection agency XXXX XXXX /XXXX XXXX for 3 years been filing complaints and trying to get this removed / deleted off my credt the other reporting agencies had closed this account that was in collections except for Experian