davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY (TX)

XX/XX/XXXX my Wells Fargo credit card had balance of {$270.00} which I paid in full 2 days later. Unbeknownst to me they charge me {$25.00} dollar later fee and interest on that late fee for the next 2 months. I found this out when my mortgage refinance lender told me Wells Fargo reported me 30 days late. XX/XX/XXXX I called Wells Fargo and after several transfers and waits, XXXX told me she would fax a copy of the Rush Credit Dispute along with mention that the now waived late fees and subsequent interest will be credited back. This false reporting by Wells Fargo is directly affecting my finances. I consider this theft at this point. My refinance lender told me they did not receive anything yesterday XX/XX/XXXX as stated by XXXX. XX/XX/XXXX When I called to find out why no proof of service was sent like I requested I was told they could not do that. Well Fargo created this problem and wont send an email or communicate with another bank to help a decade long customer. I expect better service after so many years. I have personal and business account with them but likely will not any longer if they don't make great strides compensate me for lost time, money, and reversing the ill-effect on my credit report.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (NY)

My repossession date with this company is XX/XX/2015 I have spoke to multiple representatives I have spoke to supervisors and multiple supervisors the supervisor I spoke today name was XXXX and I keep explaining to them that this repossession needs to be off my credit report because it's been over 7 years from the time of the delinquent repossession she have stated that they have contacted the credit bureaus to have the the remark removed for over three months and it is still on my XXXX and my XXXX credit report this is a violation of my rights and it's affecting my life I can not get a car or anything because the remark is still on my report even after the statue of limitation I have exhausted my resources I have sent out multiple letters numerous of times and still nothing has been done.
Consumer complaint received 2023-01-17
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. (FL)

In accordance with the Fair Credit Reporting act 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 1666 B : 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 2024-03-21
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: EQUIFAX, INC. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX days old.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (NY)

Greetings, XXXX XXXX XXXX XXXX XXXX XXXX XXXX respectfully request to have my information about my AES XXXX loan that appears on all credit bureaus to be resided. I have worked hard to be a good XXXX and pay all my debts. 

The fact is my AES XXXX loan account has been closed since XX/XX/2019 and it shows as if it it is still open and I am XXXX  days late in my school loan payments. Again, my account has been CLOSED since XX/XX/2019. 
In fact, AES shows that during XX/XX/2019- XX/XX/2019 my account was not paid. When in fact my account was in forbearance. 
Again, my point is that my AES XXXX XXXX account has been CLOSED since XX/XX/2019. 

Respectfully, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2020-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible. XXXX XXXX {$4200.00}
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OR)

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.

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 2023-01-17
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DHI Mortgage Company (TX)

My wife XXXX and I started looking to purchase a home in XXXX  in the XXXX XXXX area and found a lender and realtor through XXXX. We were quickly pre-qualified and looking at homes. We soon found a home that we liked and went under contract with DR. Horton to purchase a home in XXXX XXXX in a community called XXXX XXXX DR Horton was going to pay XXXX towards closing costs if we used their Lender, DHI Mortgage and set us up with their Agent XXXX XXXX. XXXX XXXX quickly reached out and without asking us anything related to our specific situation or circumstances, informed us that we could not be approved due to my wifes XXXX XXXX  which was XXXX XXXX  beyond the XXXX XXXX  guideline set forth by XXXX 

I was not super pleased with this response from DHI and asked that our case be escalated to a managing supervisor. after speaking with XXXX XXXX, he told me that our case was looked at by an underwriter and that their was nothing they could do. it was at this time that a HUD ( Housing and urban development ) agent sent me via email the guidelines for employment gaps and we discovered that XXXX was an allowable explanation for taking an extended leave from work, 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 I shared this newly found information with DHI with no change in response, we felt that this familial situation was a good enough explanation and fell within the limits of the guidelines set forth by the XXXX XXXX XXXX 

At this point, I am questioning whether the denial to service our loan falls under the category of discrimination under the protected class of " Familial situations '' and would love any guidance on the matter as DHI is no longer willing to work with us and denied our file solely based on my wifes XXXX XXXX XXXX XXXX' where she was caring for XXXX XXXX XXXX XXXX XXXX 

Any help on the matter would be appreciated, Thanks
Consumer complaint received 2022-07-07
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. (MT)

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT XXXX and XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$4400.00}, XXXXXXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$6200.00}, XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$2600.00}, XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$1900.00}XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$450.00}, XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$270.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$350.00}, and XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$310.00}. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.
Consumer complaint received 2023-01-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA (KY)

I contacted Hyundai on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX all in regards to a request for my lien to be released for my vehicle. My vehicle was paid off XX/XX/XXXX. Attached is proof from Hyundai. I have attempted to sell my vehicle recently and was informed I was unable to due to the lien still being on the vehicle. On all above dates I requested they send the proper documents to the clerks office. They were given the clerks office fax number to fax it to and the form that the clerks office require for XXXX  ( XXXX ). All calls have resulted in being given the same empty answer. That it would take 3-5 business days from the date of initial request. It has over been double that amount of time and the lien release form has still not been faxed to the county clerks office in XXXX XXXXXXXX XXXX where the vehicle title is registered. Also attached is the form they require from the lien holder, Hyundai in this case. Hyundai is holding a security interest on a vehicle they have legal right to. This vehicle is paid in full and has been for over one year, yet the lien has not been released. The company doesnt seem to understand or care about this issue. My vehicle has a total value of roughly {$11000.00} per XXXX. This is the amount Im unable to sell my vehicle for because Hyundai refuses to release the lien on a paid in full vehicle.
Consumer complaint received 2022-12-14
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: EQUIFAX, INC. (IL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$290.00} ; XXXX XXXXXXXX XXXX Balance : {$660.00}
Consumer complaint received 2020-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

Based on the FICO info I access thru my XXXX account on last XXXX I had XXXX of my credit score and having an average from XXXX to XXXX from last XX/XX/XXXX no late payments at all, no problems with any bank or mortgage. 
Why Experian decrease 56 points having now XXXX, after paid off and close 2 of my accounts on last XXXX and XX/XX/XXXX?? 

XXXX XXXX {$68000.00} paid in full on last XX/XX/XXXX no late payments at all. 
XXXX XXXX XXXX {$18000.00} paid in full no late payments at all.
Consumer complaint received 2023-01-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo opened 10 + accounts in my name due to faulty sales tactics. I experienced numerous overdraft fees in these accounts though I had money in my accounts as a whole. I was never notified. They have frozen all of the statements from my accounts in 2013 for quite some time now. I have never seen all of my own financial documents over the years.
Consumer complaint received 2023-01-17
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. (TX)

On XX/XX/2022 a mortgage company did a hard pull on my credit through XXXX XXXX without having my consent. I had no intentions of refinancing my mortgage loan as the interest rates were as high as 7 %. I was not aware that a hard pull was down on my credit until after XXXX when I reviewed my credit information on XXXX XXXX.
Consumer complaint received 2022-12-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Kubota North America Corporation (NY)

i tryed to make payments on the dept from kubota on a XXXX that was taken from me and got told no the first time i called on the {$5000.00} letter thy sent me i called on XXXX got told hold on let me check then thy came back on the line and said XXXX a month or we will send it to a lawyer then will offer you a settlement i explaind i dont have that kind of money thy refushed to send me any paperwork so i can pay XXXX a month thats all i van do i adviced them if i file XXXX XXXX and its discharged thy can not collect on the dept due to bankrupancy laws iasked them again ide like to pay it but will not take payments no less then XXXX a month this is wrong and in XXXX  ill seek a laywer and let him deal with this im on a fixed incom  i adviced thim of this XXXX dont go vary far i aslo told them i have a wage garnishment now and if thy try that thy will ony get 10 percent of my wage thats law
Consumer complaint received 2023-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I disputed the following accounts by mail and online with each of the bureaus. Still, none of these bureaus are reporting the disputed accounts accurately. Furthermore, addresses that do no belong to me are reflected on my reports and must be removed. 

XXXX XXXX XXXX XXXX This account was paid in full, yet XXXX is reporting this aspect clearly. The account was never a charge off/collection. The date of last activity is reported inconsistently across each bureau Transunion says XX/XX/XXXX, XXXX says XX/XX/XXXX XXXX  says XX/XX/XXXX. Payment status is also inaccurate and mischaracterized when it should read, PAID. So, how can they each respond the account is reporting accurately, yet be reporting all kinds of inconsistent info? 

XXXX XXXX XXXX XXXX This account was paid in full, yet XXXX  is reporting this aspect clearly. The account was never a charge off/collection. The date of last activity is reported inconsistently across each bureau Transunion says XX/XX/XXXX, XXXX says XX/XX/XXXX and XXXX says XX/XX/XXXX. Payment status is also inaccurate and mischaracterized when it should read, PAID. So, how can they each respond the account is reporting accurately, yet be reporting all kinds of inconsistent info? 

XXXX XXXX monthly payment amount, term, payment status and date last active are contradictory and inaccurate. How can each bureau be reporting completely variable information if they claim the information was verified? 

XXXX XXXX account status, monthly payment, terms, payment status, comments and date last active are completely different from each other, again, inaccurate and misleading. 

According to Fair credit reporting act, the reports should be 100 % accurate and if not, the inaccurate information must be removed. I have attempted to resolve these issues with each bureau who FAILED to comply with the law.
Consumer complaint received 2020-03-06
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. (CA)

I applied for an account at XXXX XXXX XXXX today XX/XX/2020 and when they ran my credit, I was told that I didn't qualify to open an account with them because of two accounts reflecting badly on my credit report. The names of the accounts are XXXX/XXXX and XXXX XXXX XXXX XXXX. Neither of these accounts belongs to me and I did not give anyone permission to open these accounts with my personal information. I did not benefit anything from these accounts such as money, goods, services or any other type of benefit and I did not make any transactions or payments towards these accounts. I already got in contact with both companies and filed a police report regarding these suspicious accounts.
Consumer complaint received 2023-05-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX I XXXX XXXX sent a letter saying there are wrong, unknown items, FCRA violating, and damaging things on my credit report. It has been well over 30 days later I have not received a response yet even though I have called and mailed reported documents. I feel like i am being wrongly treated and ignored of my disputes. I believe failure to look into these items within 30 days gives a reason to quickly remove those items from my credit report it has been well over 30 days and every proof needed to sustain deletion has been provided so they should be deleted promptly. I demand these accounts be delete immediately or I will file for a case due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-05-25
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. (IA)

I sent a dispute letter to XXXX XXXX and transition to remove a XXXX XXXX XXXX XXXX XXXX Missouri address because it is inaccurate it is missing an appartment number therefore it is inaccurate and they are doing nothing to help
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I was looking up my credit. I have 3 cards that I or my fianc never opened. 2 capital one cards. That I never gave permission to anyone to open any credit cards in my name. The cards in my name that I did not open are XXXX XXXX XXXX. I even disputed the withdrawal in my checking account. I never opened this card, dont own this card, no one never had my permission to open this card. The 2 capital one cards. I disputed payments coming out of my account. I do not want any charge cards in my name. I pay for cash in everything. Everything I own, has been paid in cash. I also realized I have XXXX XXXX  Again I never gave anyone permission to open any cards in my name. I have XXXX XXXX XXXX XXXX XXXX. Everything else never had my permission XXXX, 2 capital one, XXXX XXXX XXXX
Consumer complaint received 2023-01-17
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. (MD)

I have disputed the information with all three credit agencies several times and they have not done a proper investigation into XXXX XXXX XXXX. I sent them a letter directly and I received a reply back please see attached. Please have them remove the information off of my credit report.
Consumer complaint received 2023-01-17
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. (MD)

I have disputed the information with all three credit agencies several times and they have not done a proper investigation into XXXX XXXX XXXX. I sent them a letter directly and I received a reply back please see attached. Please have them remove the information off of my credit report.