davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-19
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (PA)

We submitted an offer on a house that is for sale, via short sale, through Wells Fargo on XXXX XXXX, 2015. Since then, we have had to update the contract 3 times, to which we still can get no response what-so-ever from anyone at Wells Fargo on the status of the contract. The listing agent has been through XXXX different people at Wells Fargo and not one has been able to give any of us an answer. One week, our contract is with the negotiator and they 're pushing for an answer by the end of day on Friday, which has now been a month ago. I have since sent an email to the board of directors at Wells Fargo and have spoken with a gentleman, but again, they have no answers as to where our contract stands.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need attention : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed DEPTEDXXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed DEPTEDXXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XX/XX/XXXX
Consumer complaint received 2016-05-24
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (CA)

Opened an Amex card with XXXX points and verified my eligibility in XXXX 2015. In XXXX and called and they said I did not qualify so opened a complaint. In XXXX the complaint was denied and called to cancel the card and the representative said that is not right to open a new complaint. On XXXX XXXX called on the new complaint and the representative told me I would get the XXXX points in XXXX, so give them the month to resolve. Called on XXXX XXXX and another representative said I did not qualify and ca n't vouch for what the the other employee said even though I had the time and his ID number So I was mislead twice on the same issue
Consumer complaint received 2015-12-02
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (MI)

At the end of my lease in 2014, I turned in my car to the dealership when I picked up my new car. After Ally Financial picked up the car from the dealership, they assessed lease-end fees of $ XXXX. I was able to settle with them for a lesser amount, which I paid in the time requested to settle the account. Due to a system error on Ally 's part, they reported that negotiated difference as outstanding and it was sent to collections. I was able to get this corrected with Ally, but my credit report still shows that as a serious delinquency, even after it was corrected.
Consumer complaint received 2022-06-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Colections : XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX ADDRESS : 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 XXXXXXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX CARD XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CXXXX 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 XXXXXXXX XXXX  XXXX Equifax XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER : XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2016-09-02
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Pacific Union Financial, LLC (FL)

I am finding the 3 day disclosure rule for a refinance not very effective, first of all there is a 3 day right of recission so why do we have a 3 day disclosure as well, getting this orchestrated and the timing correct delayed my closing so many times it took several months to work it out. 
Then on my purchase I am not sure since my contract CLEARLY STATES the seller is paying my title insurance why does it have to be charged to me then credited and why is the loan amount disclosed at promulgated rate when I 'm paying reissue credit. This is so confusing and I have a financial background, I ca n't imagine how confused consumers with no financial background are navigating this new CD. I think you need to rethink this CD or at least how you disclose, just stick to the facts, if seller is paying allow seller to pay, if simultaneous issue rate put that on be upfront.
Consumer complaint received 2016-05-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (CA)

After receiving letters from Midland Funding I decided to pull my credit report to realize that Midland Funding was and still is reporting inaccurate information to the credit bureaus. I 've been sending letters for the last XXXX tears trying to resolve this issue. I 've requested any documentation that they have on these alleged accounts ( statements, checks, payments ... ) All they could do is to provide me with the information of the original creditor. I 've contacted the alleged original creditor and they are not longer reporting these accounts on my credit report after my claim. They purged the accounts. 

However, Midland is having a hard time letting go. The alleged debt is over 5 years old, original creditor is not reporting, they keep reporting in a monthly basis even when I have disputed this information with them ( they are not supposed to as they are supposed to investigate and during that time they are not allowed to report ). All I get are generic letters about my issue. Only after a XXXX complaint I received a personalized letter giving me the information of the original creditor. There is not original creditor, they are not reporting these accounts. They declined any communication regarding these matter and avoided the main factor here which is the fact that those accounts do not belong to me. I have sent them an " Intent to sue '' letter and they have ignored me once again. This is my last step before I move forward with the lawsuit that is just ready to be filed. 

It 's just frustrating that they are pursuing a ghost debt in a very illegal way. This should had been easier and we all should avoid the expenses to come from a lawsuit and fix this. 

The only collections on my credit report are from Midland! It 's so ridiculous. Thanks to them I have been declined credit and had to present several additional evidence in the purchase of a house. 

Thanks
Consumer complaint received 2022-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (VA)

My wife and I enrolled into XXXX XXXX XXXX in or around XXXX. One of the accounts that was settled through them was a Lowe 's credit card with Synchrony Financial. The approximate balance was XXXX. XXXX XXXX XXXX made a settlement to synchrony and Synchrony then informed them there was a XXXX balance on the account and refused the funds. Almost one year later, synchrony reached out to XXXX XXXX XXXX  to let them know that synchrony had made a mistake and that the funds were indeed owed. XXXX then asked synchrony on XX/XX/XXXX at XXXX XXXX  via email from XXXX XXXX at XXXX to XXXX XXXX  if they would honor their previous agreement from XXXX of XXXX. If synchrony agreed to it, which they did, Then XXXX would overnight a check to them in the amount of XXXX. This check was cut on XX/XX/XXXX and overnighted to Synchrony bank which they received on XX/XX/XXXX at XXXX XXXX  and signed for by an XXXX XXXX. The tracking number from XXXX  for the check is XXXX this check was endorsed by synchrony and has their stamp on the back of it. Fast forward to XXXX and I am served a warrant in debt for this account. I provided all of the information to their attorneys who promptly dismissed the case. Summer of XXXX i was sued again for the same account in which they are alledging i owe them over XXXX dollars. Again, provided their attorney with the paperwork and case is dismissed without prejudice. Spring of XXXX I am served a warrant in debt again for the same account same amount. Theres a new attorney involved and I provide him with the paperwork, drops case without prejudice. After that I get in touch with synchrony via letter to dispute the debt and never receive a response. Two weeks ago, I am served AGAIN at which time their attorney informs me that my dispute isnt valid even though i have all of the correspondence to prove im correct. this case is scheduled to go to court on XX/XX/XXXX and as of late their attorney has pretty much cut me off with communication. I am ready to countersue them for damages just because this has become such a problem for me and my family.
Consumer complaint received 2016-10-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed.
Consumer complaint received 2017-01-04
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (VA)

Last year we requested deferment of 3 months, Wells Fargo is stating that we authorized one month which we are disputing. There was no communication sent detailing the deferment, terms or the fact it was {$25.00} to process. We have been 2 months behind since then and are seeking assistance from Wells Fargo Dealer for help. 
I 've left messages with XXXX from the Executive Office at XXXX ext XXXX with no response.
Consumer complaint received 2016-05-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion fails to remove the XXXX XXXX XXXX account.. Transunion reports incorrectly that this account has a credit limit of {$15.00}. Transunion reports incorrectly that this account is paid monthly. Transunion reports incorrectly this account 's date of first delinquency.. Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Consumer complaint received 2016-04-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NY)

To whom it may concern : Years ago, I was a customer at Wachovia Bank, where I received free checking because I had a required balance in the account. Wells Fargo bought over Wachovia, and I was told I was grandfathered in for free checking. Recently they charged me for free checking, although my account has more money than I transferred. 

I believe this is illegal and unfair. Please help me. 

Thank you.
Consumer complaint received 2015-04-16
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY (NE)

I went to Wellsfargo to open business checking account and was told by the accounts executive that the system has offered to open a credit card which has 0 % APR for XXXX billing cycles.So I agreed to apply. After XXXX billing cycles I saw finance charge and called the XXXX # and was told that it was only for XXXX billing cycles. I discussed above details and send me the account opening documents and was never provided with those till date. On multiple calls afterwards I was told they do n't have any such opening document and the XXXX billing insert has the 0 % APR info. Now I have been charged a total of {$160.00} in finance charges and even if they want to refund any they are looking at the least finance charge and would refund half of it. Still no info on the opening documents. I have a lot of accounts with WellsFargo and Credit Card is the only department I have issues with and this is the XXXX time with a XXXX business ( XXXX issue was different ).
Consumer complaint received 2017-01-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

the refuse to continue to investigate my dispute. I have requested them to provide me with the individual who validated or denied my request along with evidence to support my dispute. I have attached a copy of the last letter I sent with todays date on it.
Consumer complaint received 2022-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contacted the below creditors, and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written or verbal I ask that you DELETE these inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purpose of Consumer Reports 15 U.S. Code 1681b in general. Subject to subsection ( e ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

XXXX XXXX INQUIRED ON XXXX XXXX, XXXX XXXX INQUIRED ON XXXX XXXX, XXXX XXXX INQUIRED ON XXXX XXXX, XXXX DEPT OF ED INQUIRED ON XX/XX/XXXX XXXXXXXX XXXX INQUIRED ON XXXX XXXX, XXXX XXXX XXXX XXXXNQUIRED ON XXXX XXXX XXXX XXXX INQUIRED ON XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXS INQUIRED ON XXXX XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX INQUIRED ON XXXX XXXX, XXXX
Consumer complaint received 2015-11-12
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MA)

My home mortgage services Wells Fargo does not appear to be working with me in earnest to prevent me from losing my home in XXXX Massachusets. I have been ensuring compliance on every request. They previously turned down an offer to purchase by a qualified buyer because he was under their minimum XXXX. While I did n't want to sell the house, I was led to believe that this was my only option. It has been an incredible year of stress and what appears to be an endless spiral of red tape and even confusion by Wells Fargo 's own " loan preservation specialists '' - who appear to never know anything. I just received a loan modification offer that is literally just a few XXXX dollars less than what it was. It 's unacceptable when I have already paid beyond XXXX for this house. I really need help but I 've heard conflicting statements from my bank representatives. One moment I hear I may qualify for deed in lieu - next I hear that I do not qualify. I 'm at the point where I can afford to pay a reasonable amount to keep the home but I can tell that they do not tell you anything that can help you. They purposesly keep options from you unless you specifically ask about it. Then the preservation specialist tells you they need to find out. I really need help. I know the bank could work with me just a little harder for us to keep our home. We 're not that far from having a viable program, that a XXXX bank that ruined the economy anbd received XXXX bail-outs could afford to live with for a family who has already paid over XXXX in interest.
Consumer complaint received 2016-12-05
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Benuck & Rainey, Inc. (NH)

A woman called me on a blocked number. She told me she worked with XXXX and asked if I was who she was calling. She asked if I got a letter in the mail and tried verifying my address. I asked what company she was calling from and she said bennick and rainey. After she continued to ask questions and I asked what kind of company it was and she told me she worked with urgent care. After I refused to answer questions she told me she was a debt collector and any information obtained would be used to collect a debt. After I told her the urgent care billed my insurance wrong she asked for my insurance information and I would n't give t and she hung up.
Consumer complaint received 2015-06-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NC)

Account listed XXXX under XXXX different account numbers. Mortgage servicing transferred between XXXX companies but only XXXX loan. Experian refused to correct and when I tried to upload documentation (included here) Experian placed a block on me so I could not. The XXXX date of delinquency was XX/XX/XXXX and the account fell off all XXXX reporting agencies by XX/XX/XXXX. Unfortunately the duplicate account is still present on the Experian report. By phone on XX/XX/2015 I spoked with (XXXXTeam Specialist) for Experian (would not give me any more identification) informed me that it is my job to verify the data with the creditor and to give Experian the name and number of who I talked to and they would follow up. I informed him that I wanted to know who Experian talked to for validation of my data and XXXX informed me that they did not have that information and was not required to have it. I asked him if the verification was done by automated response and he could not answered. I have enclosed the documents I was unable to upload through Experian below to validate my claim and hopefully get my Experian credit report to show accurate information. I have included a more detailed version of events below. Thank you.
Consumer complaint received 2016-12-05
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: STERLING JEWELERS, INC. (GA)

Due to a job loss Kays placed my account in a special status which reduced my payments for an extended period of time beginning in XXXX. Kays failed to send me any notification that the reduced payment plan ended after XXXX to four months and because of this I was paying the reduced amount of {$90.00} a month instead of {$130.00}. I observed that my payment due was increasing and reached out to Kays in regards to this issue and at that time I was informed that my payment plan had stopped. I requested an extension on my payment plan at which time I was mailed my unemployment insurance forms that were associated with my Kays account and was instructed to mail them back in. I returned the forms and continued to make my Kays payments, but heard nothing back from Kay in regards to my insurance on my account. I continued to pay my account but was continuously receiving phones every hour about my Kays account and my balance due. I spoke with a rep about the calls and she informed me that the calls were on an auto-dialer and that she would remove me from the auto-dialer service but I may still get contacted about my account. I continued to make my payment utilizing the Kays website and in XXXX sent my payment for {$130.00}. Apparently my payment was returned because I entered the wrong account information, but I was never informed by Kays. Instead Kays reported me 30 days past due. I contacted Kays on XXXX XXXX, 2016 in regards to this and I was informed that I was placed on a do not call list by accident. My name was removed from the list. Because of the error Kays agreed to lower my payment and stated that they would adjust my credit report for the month of XXXX but I would have to file a dispute with the credit bureaus which I did. Kays failed to remove the 30 day late mark and instead just updated the balance due and the payment due on the account.
Consumer complaint received 2015-04-18
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (CA)

I applied for a car loan through my employer XXXX on XXXX/XXXX/2015, I was declined because of my experian credit score which showed XXXX. Through Credit Trackers and my XXXX XXXX card I am able to constantly view all three repositories which show XXXX at XXXX XXXX XXXX & Experian XXXX therefore, my average score given was XXXX. There has been no alert to me which shows any adverse action which would lower my score and XXXX could not explain, I contacted Experian who requested that I pay a fee in order to view my credit.
Consumer complaint received 2016-03-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (OH)

XXXX HAS CONTINUE TO REPORT AND ACCOUNT THATS NOT MINE THIS IS BEING REPORTED TO XXXX, XXXX XXXX THIS INFORMATON IS INACCURATE!. LOWERING MY CREDIT SCORES