davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (CA)

This complaint was to inform you that Wells Fargo 's repossession documents contain false information which steadily results in Wells Fargo keeping vehicles. You admit fault and excuse it by stating it's a state requirement to obtain receipt from local authority. This is true. Being that it is a state requirement, Wells Fargo should adhere to it. It is not to be used to mislead borrowers. That is what it is doing, correct? Its not only misleading, its Grand Theft Auto. Those were my harsh allegations that Wells Fargo is admitting fault to and apologizing for, correct? Wells Fargo is requiring borrowers to obtain a receipt But lists the incorrect local authority and also includes incorrect address, and lists incorrect documents required needed to obtain the reciept. Please describe how borrowers are able to fulfill this requirement if you are specifying the wrong authority to obtain the reciept? Wells Fargo is able to claim complete financial ownership because borrowers are not able to fulfill the requirements needed in order for Wells Fargo to release the vehicle within 15 days prior to auction. Your apology and dismissal are not welcome. You have acknowledged fault, apologized yet did not make any changes to fix your current practices for other borrowers. And completely dismissed my claims with an apology. 
My original complaint is ... .XX/XX/2020 I recieved an NOI letter from Wells Fargo Dealer Services . The letter has an order of steps required to reinstate or Redeem your vehicle after repossession. Borrowers are required to obtain a reciept for cost of filing from the Sheriff 's and lists the sherriffs headquarters address. Letter is attached. THIS IS FRAUD. The sheriff 's do not file repossession reports. Sending borrowers to obtain a reciept from an agency and address that is not valid resulting in failure to reinstate or Redeem vehicle is unethical and dirty, even for Wells Fargo. Why make us run in circles just take the vehicle and say XXXX CA law. Being that I only had 12 days before my truck was to be sold, NOT 15, I called Wells Fargo in a panic trying to get more information on how to obtain this receipt and they were unable to provide me with an alternative ... .... which IS FRAUD. I was required to obtain a reciept for cost of filing that is a non-existent filing because sherriffs DO NOT file repossessions. Requiring borrowers to obtain a reciept that does not exist, before they reinstate or Redeem their vehicle is not possible and would certainly result in Wells Fargo stealing vehicles. Wells Fargo tried to blame their NOI Letter on the repossession agency. As if the repossession agency sent the NOI Letter. Wells Fargo will not accept fault for this meaning they are actively stealing vehicles. Please see your attached response and re-advise. I am denied reimbursement for time without my vehicle because I allegedly sent 2 checks to the the wrong state. Not NC. That's false. XX/XX/XXXX next day shipment tracking has been provided.
Consumer complaint received 2020-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (CO)

JP MORGAN CHASE AND CO - CHASE FREEDOM AND CHASE AMAZON CREDIT CARDS. Without any consideration, notice, etc. they cut my credit limit, decreased to the exact balance owed, DROPPING MY CREDIT OVER 40 points and putting my credit utilization over 70 %. I now can't get a loan that I wanted for a new home purchase or even refinance. I was going to pay off the balances of the credit cards once either action had taken. I have contacted them several times and they do not respond or follow up and send me to other departments. I need a response and I need action. This is criminal and they should at least notify or consider the impact the changes make. I've always paid my balances and never had any late payments. RIDICULOUS.
Consumer complaint received 2020-09-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: VW Credit, Inc (HI)

I am contacting you with a complaint of unfair business practices and discrimination against VW Credit. 
I am scheduled to XXXX  to XXXX as a XXXX  XXXX  XXXX XXXX   employee with the XXXX XXXX on XX/XX/XXXX under military orders. 
VW Credit wont authorize me to ship my car which is ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) Hawaii License # XXXX with the following XXXX # XXXX According to VW Credit the only vehicle owners authorized to ship their POV are XXXX XXXX  military. As an XXXX XXXX Veteran with ( 4 ) XXXX XXXX, I feel highly discriminated against. I have tried to refinance my vehicle and found the following issues : 1. XXXX will not ship to XXXX 2. XXXX XXXX XXXX denied my loan request 3. I can not use XXXX XXXX 4. I can not sell the vehicle as the balance on the car is more than the car is worth. I bought the vehicle in XXXX XXXX from XXXX XXXX. The dealership can not help me in this situation. 
5. Due to the car being upside down, it is almost impossible to sell the car to a private individual. 
6. At this short period of time, it looks like I must surrender the vehicle to the dealership I purchased it with and that becomes a repo. This will affect my career with the federal government and my secret security clearance status.

7. I have contacted a law firm and was told to contact your company regarding this issue. 
I am appalled that after several attempts to reason with VW Credit, they refuse to help resolve this issue. My XXXX XXXX is the second XXXX  I have had with VW Credit. I can no longer trust VW Credit as a veteran friendly company, not only for me, but other veterans, federal government civilian employees in the same predicament. Is there anything you can do on my behalf? 

XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

There are fraudulent accounts listed on my consumer report I have tried resolving and disputing it with the creditors. 

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 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (IN)

Customer contacted Ally Bank around XX/XX/XXXX to dispute late charges to auto loan. Customer has court documentation that states " husband shall be awarded vehicle subject to the indebtedness thereon and shall hold Wife harmless therefrom ''. Husband did not refinance vehicle to remove customer from the auto loan. He also did not make the required auto loan payment in XXXX ; therefore customer 's credit score dropped XXXX points and can no longer receive any type of loan.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I was reviewing my credit reports and found multiple accounts with conflicting information between the 3 credit bureaus for the same accounts that list different account numbers, date of last activity, last payment date, balance, account status, and original balance. I am requesting that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. Under 15 U.S. Code 1681e ( 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 know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : I have attached a copy of my ID for identity verification and a bill for address verification. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NE)

I have my mortgage with XXXX Bank and have always made on-time payments. However, the last 2 months, they have incorrectly reported to the 3 credit bureaus that my mortgage balance has gone UP ( it has not ). I have tried disputing with XXXX multiple times and they are not helping me, they keep reporting incorrect information that has hurt my scores. On XX/XX/2022, they reported that my mortgage balance went up by {$940.00} ( to {$170000.00} ) when it actually should have gone down to {$170000.00}. This decreased my credit score by 1 point. I called the bank to dispute this information and disputed with the 3 credit bureaus. It was briefly corrected until XXXX. On XX/XX/2022, they again incorrectly reported my mortgage balance as going up to {$170000.00}, when it was actually at {$170000.00}. I called Monday XX/XX/XXXX and XXXX refused to open another dispute, saying my original dispute was declined. This time, my credit score dropped again by 4 points due to these reporting errors. They are refusing to help me or correct the issue. I keep disputing, and they keep reporting the wrong information.
Consumer complaint received 2020-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (VA)

On XX/XX/2020 at XXXX XXXX.XXXX.i made a payment of XXXX dollars to be processed on the XXXX I called back to cancel the payment because the bank had issues with a XXXX deposit I made on the XXXX XX/XX/2020 On the XXXX I was told I couldn't cancel the payment and I made another pay me t of XXXX dollars and some change directly from my checking The payment was taken out of my account and still does not show my avail balance And the other XXXX dollar isn't showing up nor the other bank DOESNT even show where the payment was submitted XXXX XXXX Master Card who service this card is US BANK and this bank has made a complete mess for me
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

It is clear by the record provided of the disputes sent to Experian over the last 2 years that they are ignoring me and taking advantage of me. 

15 U.S. Code 1681s2 Responsibilities of furnishers of information to consumer reporting agencies and Violation under 15 U.S. Code 1681e ( b ) Compliance procedures maximum possible accuracy. I have been disputing these accounts for the last 2 years. These accounts were not notated by the creditor as investigated as required under 15 U.S. Code 1681s2 therefore are reporting inaccurately. 15 U.S. Code 1681e ( b ) compels a credit reporting agency to report information 100 % accurately. This has not been the case for these 4 accounts.
Consumer complaint received 2023-05-18
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$41.00} XXXX XXXX  XXXX Balance : {$3800.00} Please consider this complaint as my follow-up to ensure that the listed accounts are verified as soon as feasible
Consumer complaint received 2024-04-10
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY (PA)

On today XX/XX/2024 I received a call from the Wells Fargo Presentation Department and I informed them that its on file that a third party is already communicating with XXXX XXXX about the matter. Instead I was met with an I dont care unprofessional attitude. And Im requesting that they only contact the third party and to stop their harassment and ignorance they called me from XXXX XXXX XXXX
Consumer complaint received 2024-03-19
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. (NC)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-09-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SYNCHRONY FINANCIAL (NY)

I had a saving account with over XXXX in it. I logged in online and set up a transfer of the whole sum to another bank. At the same time, I also send a mail inside the bank 's web portal asking them to close the account after the transfer is made and if there was any interest due to me afterwards, to send it by check to me.

The bank acted on both requests at once. They closed the account first and then when the transfer was executed the account was already closed and the transfer failed. However, I didn't find out about it until several days later when I got an email telling me the destination bank has refused the transfer. Only after calling the issuing bank did I find out that it failed because the account was closed. I also found out that the communication noted down in the account was blaming me for the issue since I requested to close the account. I explained the rep what went
wrong, and asked that the money be transferred again to the external bank. A few days later I found out this transfer also failed and the email again indicated it was refused by the receiving bank. I call the issuing bank to find out that the transfer failed this time because the money has already been sent to me in a check and that is why it couldn't be transferred. I was told the check was mailed to me on the XXXX of XXXX and that I should wait 10 business days, or even more, because mail is slow these days because of COVID. So I waited 13 business days and called again because the check never arrived. This time I was told the check was actually sent on the XXXX of the month so wait a few more days. It is now more than 10 business days since the XXXX, and I have not received the check. It is already 3 weeks since I have requested the money. I am going to call again tomorrow but I also wanted to start this claim just in case it again takes a while for the bank to straighten this out.
Consumer complaint received 2024-03-16
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. (DE)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX & Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2023-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NV)

During disbursement of Covid stimulus checks, the money was transferred to an account at Wells Fargo. My wife and I had previously closed our Wells Fargo account due to the way they conducted business. We contacted Wells Fargo and were told that any money sent to an inactive account would have been sent back to its originator. We have been unable to verify this and did not receive anything. Plus, we were then taxed by the IRS for these funds that we never received.
Consumer complaint received 2024-03-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WSFS FINANCIAL CORPORATION (PA)

FACTS 1. The said Defendants/Respondents had no contract with XXXX, XXXX or XXXX XXXX XXXX XXXX. 
XXXX. The said Defendants/Respondents has repeatedly colluded together to unlawfully confiscate all of Petitioner/Affiants life possessions located the first time at : XXXX XXXX Place, XXXX XXXX Pennsylvania, XXXX on XX/XX/XXXX and the second time at : XXXX XXXX XXXX XXXX, XXXX, Pennsylvania XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
3. Affiant never received Notice and was denied his Right of Due Process and has never been seen a day in court regarding these matters. 
4. Affiant only received a Writ of Possession on XX/XX/XXXX ( see Exhibit A ( XXXX pages ) ) from a Man that stated he was the Attorney for XXXX XXXX XXXX XXXX, XXXX while the Defendants/Respondents movers where illegally and unlawfully confiscating all of my lifes possession from my home. 
5. The Writ of possession said : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX PA.XXXX. The Writ of Possession wasnt signed by a Judge, nor was an Affidavit attached, nor did it have an Order with a Seal from the court or an judge to verify/affirm these unlawful actions, this is Fraud upon the court and the Petitioner/Affiant. 
6. The said Defendants/ Respondents trespassed upon me and my estate and in doing that they violated the terms in my AFFIAVIT NOTICE OF LIABILITY REGARDING TRESPASS AFFIDAVIT OF FEE SCHEDULE AND REMEDY.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

There are multiple accounts that are showing up on my credit report that should not be showing up. According to the IRS if an account is charged off, it is considered income for me and I have to file taxes on it. Income can not be reported on my credit report. These are the laws if whoever is reading this is unsure. Feel free to check with your legal department. They will agree with me and these accounts should all be removed from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( both of them ) There are also fraudulent hard inquiries. I did not give the banks or anyone else permission to access my credit report. I've contacted the banks and explain the situation, and they all agree that the hard inquiry should not be on there. And most of them tell me I should contact the credit reporting agencies to request that they be removed. Feel free to reach out to the individual banks To confirm that these are fraudulent inquiries 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 card Again, feel free to reach out to the banks directly after confirming all of my information I agree that these fraudulent inquiries that should not be showing up my credit report.
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Bankruptcy that i didnt file was not removed i been disputing this for a while. Dates in clued XX/XX/2019 XXXX XXXX, 2019
Consumer complaint received 2023-02-24
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. (MI)

I received a copy of my credit report and I noticed several incorrect accounts. I have reported this to the credit bureaus, and they have added a fraud alert to my account. I have also begun the process of calling each lender/creditor to inform them that I did not open these alleged accounts. 

XXXX XXXX XXXX XXXX XX/XX/XXXX {$2400.00} XXXX  XXXX XX/XX/XXXX {$2400.00} XXXX  XXXX XX/XX/XXXX {$270.00} Capital XXXX XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$2000.00}