davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (FL)

XXXX from Wells Fargo did contact me from the Auto Finance department. He refused to listen to me regarding looking into how much I earned each month to be able to pay on the car loan. He said 'Wells Fargo is not required to look at my deposits into my checking account. 

I told him that I did not receive the sales paperwork for two weeks after the sale, and that I contacted Wells Fargo the very next day of the loan to have it dissolved. They refused to do so. I then told them I did not have the paperwork, so I was then told to contact Wells Fargo Auto Loan once I received the sales paperwork, which I did. 

The only options I had as they stated that my signature was on the loan was to either 'Refinance, Sell or have the vehicle repossessed. I did attempt to refinance the vehicle, but was told that it was only worth, at the most was {$17000.00}, and that it was only in fair shape. I got the XXXX from XXXX XXXX XXXX. 

So, Wells Fargo Auto Finance is not willing to do anything to help with this ugly situation.
Consumer complaint received 2023-02-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2020-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC. (OH)

The HSBC bank every year rolls a promotion for new customers with bonus offer for opening Checking and savings account with new funds. I applied for advanced checking account by XX/XX/2019. My application was approved and money were funded to this account from my XXXX XXXX   account. {$10000.00} were charged by authorizing transfer from bank account with XXXX XXXX. So by XX/XX/XXXX the online account was opened. 

The applicant was to open a savings account to be linked and related to checking. The Bank, how ever, asked to get documents uploaded to confirm account address and State IDs. 

I was told that they had not received what was required to activate the account. I received e mails from Fraud Prevention department to comply their inquiry. It was online account and there was no local bank branch to where I can approach. My efforts to reconcile failed.After six months, I made trip to New York to visit the Branch officer. 

The officers were unconcerned. I provided documents and requested to upload to the fraud department. A month after, my visit to same branch, I found no progress. I was, how ever, told that I can withdraw funds and close the account. 

I, was helped at tellers. I was given a check for full amount. I was told that the branch can't close the account since it was online account. I had to close online. 

I started getting monthly fees for balance below required minimum in checking account. 
I am getting several notices for overdraft and penalties in monthly statement in mail. 

I was to get bonus of {$350.00} for new checking and savings account. I wrote to bank about this in emails. My requests were just ignored. 

I was never given opportunity for savings account after checking account was approved. 

I have come to find that several others were also complaining about Bank in various sites on media. 

Thanks. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I, XXXX XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( 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 have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2020-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORTED ON XX/XX/XXXX AND XX/XX/XXXX ON MY XXXX XXXXXXXX ACCOUNT. PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER BECAUSE I'VE NEVER MADE A LATE PAYMENT TOWARDS THIS ACCOUNT. PLEASE ADJUST THE LATES ACCORDINGLY AND UPDATE MY REPORT. THANK YOU!
Consumer complaint received 2023-05-26
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. (CT)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-26
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)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$2000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$790.00}, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-03-09
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. (TX)

I disputed multiple accounts that started last XX/XX/2019. The Credit Bureaus failed to verify these accounts after multiple dispute letters and warnings to submit complaints, I have no other option but to file a complaint with CFPB.
Consumer complaint received 2023-01-16
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (LA)

On XX/XX/XXXX XXXX XXXX XXXX paid for deletion to remove the derogatory mark from his credit report. 
On XX/XX/XXXX NCA ( National Credit Adjustment ) Reported that this was paid but was not removed from credit report as requested thus violating FCRA rules and regulations. 

XXXX XXXX XXXX has paid for deletion and these collections accounts must closed and removed from credit report or further legal action will take place.
Consumer complaint received 2023-01-16
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. (TN)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 UCS 1681i ( 5 ) I have waited more than 30 days and updated my credit report and everything was the same. 

XXXX and Experian are reporting a bankruptcy but the date reporting is not correct on the reports because if it was they would be the same. 

This is a violation of the FCRA and is preventing me from purchasing real estate. 

I am attaching a copy of my dispute letters and my credit report to see how my rights were violated.
Consumer complaint received 2023-01-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eastern Account Systems of Connecticut, Inc. (FL)

I have contacting many different times to XXXX  for them to send me a box to return the modem. I contact them on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/2022 XXXX XXXX and XXXX XXXX XXXXThe representative from XXXX  kept letting me know they are sorry for me not receiving the return box from them, to wait from 7 to 10 days. I received a collection notification from them on Friday XXXX XXXX for the amount of {$220.00}. Contacted Eastern Account System of Connecticut phone # XXXX and they advise me to contact XXXX. 
I contacted XXXX  again today XXXX XXXX and XXXX advise me to wait 7 to 10 days for the return box to arrive. I want to complaint about this. They are not sending the return box for me able to send the equipment back to them. They provide the XXXX  location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX where I went to dropped it on XX/XX/2022 and they have a box with different equipment 's on the floor but there was nobody on the site collecting them. It was raining and I contacted XXXX  to let them know I was not able to see anybody to return the box but just a box outside getting wet. They advise me to drop it there and wait up to 10 days. I asked them for the box and until now XXXX XXXX not receiving any box. What can I do?
Consumer complaint received 2020-03-09
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: CAPITAL ONE FINANCIAL CORPORATION (NH)

On XX/XX/XXXX, I paid a credit card payment to Kohls. Following up with it in the morning, it didnt go through until XX/XX/XXXX. Which caused it too be late. I did not realize I got a charged a late fee, until I recieved a letter two months after saying I have not paid {$22.00}. My credit score dropped significantly, for a minor payment error.
Consumer complaint received 2023-02-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (OK)

After months of losses in stock market, I read XXXX investment groups discussing investment strategies looking for something better. In them I read about XXXX XXXX making a big difference in several peoples portfolios. I clicked on his name to see about him, and days later got a pm asking if I had reached out to him. This was in early XXXX. Over the next two months I sent the remaining money from my XXXX account to places he instructed me to and began to see big returns. In reflection, I see many flags, but I was caught up in it completely. When I attempted to withdraw some I was told I had to pay 20 % commission ( {$10000.00} ) on the gains of {$60000.00}. 
After I paid almost all in four payments, I was told I had to pay it again but in one installment. I finally realized I had been scammed and filed reports with the FTC, FBI and Secret Service. I sent a letter per suggestion on FTC website to the bank, only to receive four letters stating they would refund the money sent with my debit card only if they can recover the funds. A lady from Secret Service is doing some things to try to catch him, but says not likely my money will be found because digital currency is hard to trace, even though I sent to her all transaction ids.
Consumer complaint received 2021-01-13
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. (AL)

Debt collectors are trying to collect debt not owed by me I was a victim of identity theft in 2019 and several accounts were opened in my name and social I have been on a hard road to get it fixed but XXXX XXXX  XXXX  and XXXX are giving me a hard time I assume they do not think it was fraud and they just assume that which is because I can see in my credit that whoever opened these accounts made a few payments and then stopped so I guess that may be why they will not consider it fraud
Consumer complaint received 2023-03-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CA)

I had an account with US Bank branch in XXXX XXXX, CA that was closed on me in XXXX because I got a bad check from someone. 

This was literally the first time this happened in 10 plus years. It wasn't my check either so how am I to know. 

Please help me recover my accoynts and restore them.
Consumer complaint received 2023-02-10
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 a account without mv written instructions.
Consumer complaint received 2020-03-20
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. (CA)

I was denied from opening a credit card at XXXX today XX/XX/2020 because there is an account from XXXX  XXXX XXXX reflecting badly on my credit report as well as several inquiries. None of those items belong to me ; I did not open that account and I did not allow those companies to run my credit. I did not give anyone permission to use my personal information to open that account and make those inquiries. I did not benefit anything from this account/inquiries such as money, goods, services or any other benefit and I did not make any payment towards that account. I do not have any contract or agreement with any of the companies listed in this report. I have already filed a police report regarding these unauthorized inquiries and account.
Consumer complaint received 2020-03-10
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: CITIBANK, N.A. (NY)

This is a follow up on my previous complaint on CFPB, complaint ID XXXX. I wasn't provided any document that linked this alleged student loan to me. Then during my last compliant, Citi send over a loan application dated in XXXX from a XXXX XXXX who lives in Texas . Citi has further requested my drivers license. Which I '' m attaching it here. I also found the attached document which I thought was junk but might be helpful to your internal investigation. This false reporting has greatly damaged my credit file and I demand this to be removed as soon as possible before I hand this over to a consumer fairs attorney.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

After reviewing my credit report, I noticed I have 2 late payments being reported by XXXX XXXX XXXX I called and they were unwilling to reverse the late payments although I have excellent payment history, and this was an oversight on their part. This is not how a customer with my history should be treated, I notice the late payment was reported in XXXX XXXX  and XXXX XXXX  Please note I have excellent payment history with is company and has never been late. From my history of never being late, this is an oversight on behalf of the client. Please note this report is a violation of my consumer rights. 
Please understand as a consumer my rights were violated by the reporting of these late payments. I would like these late payments to be removed and cleared from my credit profile. 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2023-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WA)

My mortgage company is Wells Fargo, account # XXXX. When I originally financed my loan through XXXX XXXX Loans at $ XXXX on XX/XX/XXXX, I was told to petition to have the PMI removed because my house had gone up by well over $ XXXX during the year my home took to close and was really close to the 80 % Lone to Value ( XXXX ) required to forgo the PMI. Within a month or so after closing, XXXX sold my loan to Wells Fargo. In XXXX of XXXX, I called the mortgage people at Wells Fargo to request cancellation of the PMI insurance. They said I would have to get the house reappraised to see if the house was below the 80 % XXXX. I paid their fee to have the home appraised. The appraiser did the XXXX appraisal on XX/XX/XXXX and he said that I should email him a list of the upgrades I did so that he could submit it with the appraisal. I sent him, XXXX XXXX a list of {$18000.00} worth of upgrades ( attached ) I had done to the house up to XX/XX/XXXX. ( Note : In addition to that list, in XX/XX/XXXX we installed a brand new XXXX ' wide x XXXX ' long, XXXX '' thick asphalt driveway to access my home for over $ XXXX ) The appraisal, attached, came back at $ XXXX which was a 67.85 % XXXX. I asked Wells Fargo to remove the PMI. They refused and said I needed to have an 80 % XXXX and I needed to have significant upgrades. Apparently, the {$18000.00} in upgrades that I sent to the appraiser was not enough. 
They asked me to fill out a Property Valuation Dispute Form. I sent it back to them on XX/XX/XXXX. In the form, emailed to them in XX/XX/XXXX ( attached ) I explained everything above and requested that all of my PMI payments from the valuation of XX/XX/XXXX be returned to me. I also had to show three other comp properties in my area. They all showed that my home was worth over $ XXXX. 
Wells Fargo denied my request yet again and said I needed to add a room or replace the roof etc to be a significant upgrade. I didn't know what to do and didn't know where to reach out for help. I hope you can help. Over the past year, Wells Fargo has shown my estimated home value on my account dashboard as high at $ XXXX on XX/XX/XXXX ( attached ). As of today, XX/XX/XXXX, Wells Fargo shows my estimated home value on my mortgage account as $ XXXX, which means my XXXX for the {$520000.00} that I owe is 65 %, see attached dashboard snip. It really isn't fair for them to continue to charge me over {$200.00} a month in PMI insurance. 
PLEASE HELP ME or direct to who can help. I am astounded at how Wells Fargo pushes their customers around. My original PMI form did not say that I needed to have significant upgrades in addition to a XXXX less than 80 %.