davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CO)

I started the refi process with Wells Fargo in XX/XX/XXXX, with close anticipated in XXXX. After locking in my rate at 3.25 %, all paperwork was submitted. Appraisal came in lower than expected so amount was reduced by {$500000.00}, which was fine. We continued toward closing but as rates started to increase, WFs service rep became less responsive to me. Then I received a letter in the mail declining my application. When I spoke with rep, she indicated it was an income issue. After hearing the issue, she realized WF did not compute my income correctly as they missed two documents that totaled approximately {$20000.00} per month more than they had in their calculations, and a business I sold in XXXX that they were calculating as a negative {$3000.00} per month, both mistakes on their part. She emailed me to inform me that she was taking the mistakes to her supervisor and would get things worked out. I have been contacting her via phone and email for past two weeks and she does not respond. I believe since rates rose they did not want to offer me the loan. This now is costing me 200 bps to refi with another institution.
Consumer complaint received 2024-03-06
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. (TN)

IVE DISPUTED THE INCORRECT REPORTING OF A DEBT THAT'S NOT MINE ON MY REPORT THEY STATED IT WAS VERIFIED. tHE COMPANY IS IMPACT XXXX XXXX on XX/XX/XXXX i called i to speak to them and i asked them how do they verify a debt and they stated they cant verify anything not even a original contract which i asked for from the debt validation letter and they stated they purchased the debt but dont have any access to any contracts or any proof to verify they debt they are collecting because they purchased the debt. 
so i called XXXX  XX/XX/XXXX and i asked them how do they verify a debt when reinvestigated and they stated also i have this on recording as well that they just send a letter to the debt collector and ask them for my birthday and name. so i stated so for the record yall dont investigate anything on your own not even to see a contract or proof before you report it and he stated correct we dont do that.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-02-07
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. (NY)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2024-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NJ)

I was booking a hotel through the Chase app. The app crashed and charged my account the full amount without a notification. I waited several minutes for an email or for the charge to appear on my account. It did not. I then tried again and this time was able to submit while also selecting " DO NOT USE POINTS. '' After this transaction was submitted, I received an email for the first transaction attempt and the second ( in the same minute ). The app essentially double booked ( duplicate charge ) and used points for both purchases which was not selected by me the user. 

I called Chase directly and was redirected 5 times. The last person I spoke to told me I needed to call back to verify the " vender '' would approve the refund. I told them it was not my responsibility as they illegally charged me. They said they would call back and they have not. Additionally, the last person said they were going to transfer me to another person to dispute both charges all together. Once I was transfer 'd I was hung up on. Chase bank is avoiding me when trying to dispute their criminal charges against me. What they did goes against their terms and conditions as well as criminal law for fraudulent charges. They have not rectified the situation.
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (TX)

I was charged on XX/XX/2022 for the amount of XXXX. I tried to immediately block this transaction or stop payment because I did not authorize this amount or any payment to be taken from my account t this day. 

They stated they would dispute this and that happens in a few days after it clears pending status. But they payment over drafted my account
Consumer complaint received 2023-02-07
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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 2022-04-16
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. (TN)

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes 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 a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX Furnisher : XXXX  Date : XX/XX/XXXX Furnisher : XXXX XXXX  Date : XX/XX/XXXX Furnisher : XXXX  XXXX XXXX XXXX # XXXX Date : XX/XX/XXXX Furnisher : XXXXXXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXXXXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Furnisher : XXXX XXXX  Date : XX/XX/XXXX Furnisher : XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX XXXX XXXX. Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX. Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX
Consumer complaint received 2023-10-17
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: Experian Information Solutions Inc. (CA)

U used the loan docs to defraud deceive and XXXX me. You sent me the escrow breakdown to prove u could enforce an escrow account. U ignore the loan docs that say I can cancel escrow. I did cancel escrow. I canceled it with XXXX in XX/XX/2022 and multiple times here according to terms in the contract u used against me. U seem to use the contract terms selectively and fraudulently. You knew the escrow was canceled but u XXXX and XXXX me by billing me for it for a year. U know u never paid for the ins XXXX XXXX. But u refuse to acknowledge any of that and hold course like its all in my imagination. Prove u paid for my home ins XXXX XXXX. Prove that because u keep reporting it on my credit file despite the fact that u cant prove u paid it. U cant prove u paid it cuz it was canceled. But u dont care. U only use terms in the contract to XXXX  me. Prove u paid ins XXXX!!
Consumer complaint received 2019-07-24
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: M&T BANK CORPORATION (PA)

XXXX XXXX said : M & T Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX : As a result of your continuing harassing behavior, and since you do not have any relationship with M & T Bank or occupants of the building at XXXX XXXX XXXX, XXXX PA XXXX, M & T Bank is putting you on notice that you are not permitted to enter the building at XXXX XXXX XXXX, XXXX PA XXXX from this day forward. Furthermore, you are also prohibited from contacting any employee or entity within the aforementioned building in any capacity. If you violate any of these terms, M & T Bank may take such legal action as it deems necessary to protect its interests. 

Respectfully, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX M & T Bank XXXX XXXX XXXX M & T Bank Corporation C : CERTIFIED MAIL RETURN RECEIPT REQUESTED Regular First-Class U.S. Mail Copy to : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Partner | XXXX, Pennsylvania Email : XXXX Tel : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX - XXXX XXXX XXXX said : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ph ( XXXX ) XXXX fx ( XXXX ) XXXX EMAIL : XXXX Reply to XXXX XXXX XXXX No : XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Mail , Return Receipt Requested and U.S. Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX Dear XXXX XXXX : This Law Firm represents XXXX XXXX XXXX ( XXXX ) . We are in receipt of a copy of an email which you forwarded and copied to the XXXX XXXX XXXX XXXXf XXXX. In your email, you threaten to bring a lawsuit against XXXX for XXXX XXXX undefined actions which you apparently claim arose in some private dealings you had with him. We write to request that you cease and desist making such unfounded threats. You are not a XXXX policyholder, and XXXX has no relationship with you whatsoever. To the extent that you follow through on your threats and file a frivolous lawsuit, XXXX will seek sanctions in court, including recovery of its attorneys fees incurred in having your suit dismissed. 

You are also instructed not to enter into or upon XXXX  place of business. If you are found at the premises, you will be considered a trespasser and will be reported to the police. 

Please govern yourself accordingly. 

Very truly yours, XXXX XXXX XXXX XXXX By : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Floor | P.O. Box XXXX | XXXX, PA XXXX | ph : XXXX | & | XXXX XXXX XXXX XXXX | XXXX, PA XXXX | ph : XXXX | fax : XXXX | XXXX | XXXX   XXXX & XXXX XXXX XXXX XXXX XXXX XXXX Assistant Vice President XXXX and XXXX of Facilities Fax : ( XXXX ) XXXX Cell : ( XXXX ) XXXX After Hrs. Direct : XXXX XXXX XXXX Home Office : XXXX XXXX XXXX P.O. Box XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

I HAVE DISPUTED THESE ITEMS Previously. MY current and only address is XXXX XXXX XXXX XXXX XXXX, TN XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tn XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2022-04-16
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. (TN)

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified OR INACCURATE. TOO MANY INACCURACY ON ALL THREE CREDIT REPORTS. THEY CAN NOT EVEN SHOW 100 % ACCURACY OF MY INFORMATION WHICH IS DAMAING MY CREDIT PROFILE. CREDITOR : XXXX XXXX XXXXXXXX XXXX Account # : XXXX CREDITOR : XXXX XXXX XXXX Account # : XXXX CREDITOR : XXXX XXXX  Account # : XXXX CREDITOR : XXXX ACCOUNT Account # 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
Consumer complaint received 2023-08-08
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: EQUIFAX, INC. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 an 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 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have requested Mutiple times for credit report to be corrected. The companies are submitting their report filings to either delete or update a trade line and XXXX and TransUnion does not comply. All three reporting agencies report different and is not correct. 

Accts where I have resolved by paying off is not updated on XXXX or Transunion. 


XXXX XXXX- Resolved and reflect & {$0.00} balance on XXXX but not XXXX or TransUnion . 
XXXX XXXX- Received a letter from the creditor that is deleted from tradeline. 

There are accounts that reflects that have not been reported since XX/XX/year> XXXX XXXX- reflect incorrect balance reported on XXXX and XXXX
Consumer complaint received 2023-02-07
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. (CA)

I called the 3 credit bureaus after I purchased a credit report with XXXX  on XX/XX/2023. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there was an Accounts on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus last XX/XX/2023. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that these XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX  will be corrected and updated.
Consumer complaint received 2022-12-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

I reached out to PayPal regarding getting scammed by a merchant who asked me to pay him {$14000.00} in exchange for XXXX cards via friends and family. I have conversations saved and his house was supposedly broken into and the product I ordered was stolen. He promised a refund which I have yet to receive. He provided PayPal fake tracking numbers further incriminating himself as well as proving that I purchased items that have not been received and because he demanded friends and family payment, Im left without a means to recover the money through their buyers protection. I was told by PayPal to open a dispute with my bank ( XXXX ) who I have also filed a complaint about and was assured they would work together to get my money back. XXXX is refusing to open the dispute because they lack the authority to reverse the charges and said I need to ask PayPal who hasnt been able to help. So Im going around in circles and Im still out over {$12000.00}, the only transactions that were able to be reversed were the ones made by credit card which were settled in my favor. Im left without any options and I need PayPal to investigate this and refund my money through a chargeback of the merchants account.
Consumer complaint received 2024-03-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2022-12-18
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act 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 has violated my rights.
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 an account without my written instructions.
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

5 Years ago, in order to be hired, i was told by my employer prospect to generate a credit report from Transunion and I had to pay for it. Subsequently i found out that in amidst the fine prints, i had subscribed to a monthly service of Transunion. I asked for a refund from their XXXX XXXX office but was rejected on grounds that i should have read the fine print. I had to write to their head office CEO for their XXXX XXXX to admit fault and repaid me the monthly charges. 

I found it quite disturbing that they engaged in this kind of fraudulent charging scheme and was surprised to read that your fine institution is filing a lawsuit against Transunion for their fraudulent and persistent common practice. 

I encourage you to pursuit this lawsuit to the end, do not settle with them.