davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-28
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: WELLS FARGO & COMPANY (PA)

For years I had credit limits over XXXX. Then the credit crunch came and many non used accounts were just closed and credit limits reduced in a one way transactions. The banks just reduced credit limits. I been working with social security XXXX and have just been approved after a 3 year period of struggle. Now I have Wells Fargo reducing my credit limit without any notice. Just boom. The credit market is so tight, its totally out of control. These big bank officers should have been put in jail for the great recession, just like the savings and loan scan.dal in the 1980 's. Now out of the blue, Wells Fargo lowered my credit limit, again restricting and reducing credit scores and credit limits. Absolute control by the rich and powerful XXXX! Totally out of control in this county, XXXX over a veteran and XXXX individual just because you can.
Consumer complaint received 2022-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more than 68 times nonstop this is exhausting they are not putting these fraudulent inquiries in dispute and they still haven't deleted them either I am depressed. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 90 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX  from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be XXXX  please help
Consumer complaint received 2022-05-24
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. (MA)

Late payments are being illegally and inaccurately reported on my consumer report. I've contacted them to have this removed and it has not been removed. This is causing me extreme XXXX  and frustration as they can not be trusted. They are damaging my character with this inaccurate information reporting on my credit report.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I started working on my credit in XXXX. Within a XXXX  and a XXXX  my score went up from XXXX to XXXX and recently I was in the XXXX. I had nothing in XXXX, a few XXXX  payments in the past and a XXXX  that fell off last XXXX. Recently I bought a XXXX so I knew I would take a hit but Ive been having trouble with Transunion. At XXXX  I thought it was because things were being reported XXXX  but now I see after doing my research that consumers have complained about their practices. I get alerts from XXXX  XXXX  and XXXX  XXXX  that tell me when my points are deducted and there is literally no change or reason why. My XXXX  reports a XXXX score and my XXXX  shows XXXX. Transuion is deducting about XXXX every other XXXX. Since beginning of XXXX  I have made all my payments on time and I have about XXXX XXXX  cards, XXXX XXXX  loan that is about XXXX currently in good standing waiting for it to be forgiven. XXXX XXXX  loan and XXXX  support, everything is paid on time. I do not pay XXXX  XXXX  payments but I pay in XXXX  every XXXX, nothing in XXXX. My transuion is showing XXXX, today XXXX points were deducted while the others are going up and my utilization is always under XXXX  XXXX. Its really hard to contact them and when I dispute things nothing is ever resolved.
Consumer complaint received 2022-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Lenderfi, Inc. (MA)

LenderFi is my mortgage company and has failed to make my homeowners insurance payment. This is the fourth time they have failed to pay escrowed items. 

The first three times they failed to pay my taxes, to which the town charged me late fees after I manually made a payment from my bank account ( not from the escrow ). When that happened, they refused to reimburse me from the escrow for many months. LenderFi never paid back my late fee. I eventually got reimbursed for the tax payments I made from my checking account, but was out thousands until then. I got them to drop the tax escrow, and now pay that myself. I still have them escrow the insurance. They have failed to pay the insurance despite being contractually obligated to pay it from my escrow account. The only reason I pay the insurance through escrow is that they require me to prove that I paid ot each year, or else they will sign me up for expensive insurance and force me to pay for it. Since they are incompetent and can't pay my escrowed items on time, how can I trust them to be staffed well enough to process my proof of insurance in a timely manner before they enroll me in expensive insurance. 

I have tried contacting them on their most recent mess-up, but their website won't let me on to see their phone number since I'm traveling XXXX. I'm also fed up with the run around in given every time I have to call to fix this ongoing issue with LenderFi 's incompetence surrounding escrow. Please get them to pay my escrowed bills on time and in full. Please also tell them that they need to do this consistently with all their customers. I feel trapped since I can't escape them via refinance since the rates have climbed so much. Thank you for your time.
Consumer complaint received 2023-02-06
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. (MI)

It is fraudulent items and addresses also items that are reported inaccuratly on my credit report. I have tried to rectify this with the credit bureaus to no avail. it is addresses that has not been removed and inaccurate. and accounts and they are as follows. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Repeated attempts have been given to, PORTFOLIO RECOVERY, to cease and desist communication and remove negative reporting on my consumer report. They have refused notice to communicate and negative reporting. They have also failed to provide accurate information or proof of debt. I have disputed with the credit agencies and they have also refused to adhere to my request to remove this account.
Consumer complaint received 2024-03-09
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. (TX)

I write to dispute the inaccurate credit reporting regarding incorrect furnisher account information from XXXX XXXX XXXX specifically the account titled XXXX XXXX XXXXXXXX, Account # XXXX. 

I have disputed this account directly with the bureaus in the past with no success.

This is not my account but my fathers account. My father and I have the same name first and last name. I have a different middle name than my father as well as a different social security numbers and DOB 's. I did not open this account nor incur the charges and negative remarks associated with this account. Please remove this account and any derogatory information associated with it from my credit report.
Consumer complaint received 2022-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pressler & Pressler, LLP (NJ)

I have call this company several times. 
My paycheck was garnish. 
It was paid in full. 
It is still in my credit six months later and I can not get a hold of anyone to have it handled
Consumer complaint received 2015-07-05
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (AZ)

Wellsfargo financial misapplied my XXXX 2014 payment, per XXXX XXXX, which led the bank to apply a late charge. 

My monthly payment is {$64.00} but because of the one misapplied payment ( I overpay every month ) the bank, per XXXX, was assessing late fees and placing them into my principal balance, which led to strictly late charges causing my delinquency and they continued to assess late charges almost every month there after, all to my balance which would incur interest. 

My understanding is that banks can not charge interest on late fees and late fees can not cause a loan to be delinquent. 

The bank admitted their error but told me before waiving all of the inappropriate late fees ( all late fees ) that I had to pay over {$200.00}, much more than my {$64.00} payment. Had I not been an employee of another financial institution and well aware that they could not make me pay money 's not owed I might have paid to resolve my account, they did insist I pay it to get myself current so they could fix their posting errors and remove the late fees that I have and would be paying. I refused and asked to speak to XXXX 's supervisor, whom I 'm sure was n't there on a Sunday, and cited that how they treated my account, if it was as XXXX described was in direct violation of FDCPA/CFPB regulation and I 'd have to lodge a complaint. She did correct my account supposedly, but I fear for other customers, who knows what they are doing, and honestly I wo n't believe my account is fixed until I see it, particularly all of my overpayments correctly applied.
Consumer complaint received 2022-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (AZ)

the chase bank is been charging me dobble triple and some times five time for the same thing specially when using the ATM no mater if using the chase or different is the same still charging more.

i been trying to make a solution to this problem but still the same when i call to report most of the time answred a lady in another country and said she not understand me is to hard to understand, i schedule an appt they told me he is not going to waist his time to review with me all the receives i have. 
i been contacting the consumer report here in the state of Arizona but they told me is a federal institution and i have the email, for the reason contact this consumer financial with the hope find justice. 
the times when i been calling the chase bank requested the something to called the other part to see if they can fix the atm machine but chase employ told me cant give me the information of the facility is charging me, when i reported the fraud on those payments they putt my money back in my account but and i received a letter saying the investigation it was on my favor but after one week they recovered the money and charging me 3 times more please i need a hope or some information who can help me. 
and sorry for my ignorance.
Consumer complaint received 2021-12-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frontline Asset Strategies, LLC (FL)

Frontline asset management has not provided me with validation. I requested verification in XXXX and they sent a COPY of a statement in XXXX, and said that is all they had on file to give me at the time. 
My dispute with them- On XXXX XXXX I sent a letter certified mail asking frontline asset management to validate the debt and provide competent evidence that I have a legal obligation to pay the debt. I asked for an agreement that bears a signature of alleged debtor where he or she agreed to pay the creditor as well as an agreement with their client that grants them authority to collect on alleged debt. I also requested any insurance claims that have been made by any creditor regarding the acct, verification that this debt was assigned or sold to collector as well as other details, see attached. This is a request for validation made Pursuant to the fair debt Collection practices act. I specifically requested validation, not verification. Regardless, the certified mail was delivered on XX/XX/XXXX at XXXX am to frontline. I received no response from frontline asset management at any point even after 4 months had passed. Please note, this complaint is strictly regarding the lack of response to my certified letter dated XX/XX/XXXX. I have proof of delivery. See attached.
Consumer complaint received 2022-05-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (WI)

I am being charged late fees for my mortgage. There used to be a grace period where I had until the XXXX to have my mortgage in and it wouldn't be considered late, NOW It's basically I have to have it in on the XXXX. I don't have any paper work that shows when the late date is. Even on the monthly statement nothing is there. I have been charged an additional {$42.00} for the last several months and don't feel that I should be paying that, unless there is a contract somewhere that I signed and I not aware of that. Could you please assist in this issue?
Consumer complaint received 2022-05-24
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. (TX)

On XX/XX/XXXX, I contacted Experian about the following negative accounts XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1500.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$280.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$530.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$100.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5000.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} ), XXXX XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-05-24
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. (TX)

On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1500.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$280.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$530.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$100.00} ), ( Original Creditor : XXXX XXXX XXXX, Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$64.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2019-11-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo continues to send threatening letters re : homeowner 's insurance. I recently changed insurance carriers ; I sent WF copies of my new declarations pages to show valid/current homeowner 's insurance. 

WF didn't acknowledge receipt of my new policy and started contacting me, requesting proof of insurance. 

I FAX 'd proof, again, on XXXX. I received acknowledgement from WF on XXXX via their secure messaging center. I have a FAX receipt showing when the info was transmitted/received. 

On XX/XX/2019, I received a threatening letter ; " Second and final notice '' to provide proof of insurance or they will purchase insurance and charge me. Their letter goes on to say that the policy will be expensive and may not cover much. 

Given WF 's recent history with opening accounts, without the customer 's knowledge, and then charging them outrageous overdraft and other fees, I fear they will purchase a policy and withdraw premiums from my checking account.
Consumer complaint received 2022-05-24
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)

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1500.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$280.00} ), XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5000.00} ), XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} ), XXXX XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} ), XXXX XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-05-24
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. (IL)

On XX/XX/2022, I went to XXXX XXXX of XXXX in Il to get a new or used car as XXXX XXXX sent me a pre approval letter for a new or used vehicle in the amount of XXXX to XXXX. In discussing with the sales person and signing off on the dealership only running my credit for approval with XXXX XXXX, they ended up running my credit 7 times more with several other auto loan companies. They have the document I signed stating to run with XXXX XXXX only and will not give it to me. They also told me at one point XXXX XXXX was not approving it and then I called XXXX XXXX while I was there with them and the woman told me they did approve the loan and gave me a ref # of XXXX. I confronted the gentleman man at the dealership and they said yeah we got you approved for a XXXX XXXX, I said that is not the car I picked, I asked for my car key back and left cause I started getting the dings on my phone from XXXX XXXX, I told them why are you running my credit so much? I was told not to worry, I told them no your wrong and left! The manager emailed me and I confronted him that he had no right to run my credit like he did and he hasnt answered me back. I disputed as well with Equifax and they are not taking it off.
Consumer complaint received 2022-05-24
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. (KY)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXXXXXX, 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 my written instructions.
Consumer complaint received 2022-05-24
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: Self Financial Inc. (GA)

Somebody open a fraudently account In my name causing me XXXX XXXX unable to get a credit card or anything they dont pick up phone they hung up in my face. It has cost scrutiny and massive finically problems.
Consumer complaint received 2022-05-24
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-05-24
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX