davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WA)

I contacted my mortgage servicer ( Wells Fargo ) on XX/XX/2020 about A border line adjustment to my property because i am purchasing land from my neighbor. I am buying the land with cash and just need them to sign the documnets. They have been trying their hardest to drag it out and create problems even thopugh it doesnt involve them. I finnaly got them to sign the application for the county on XX/XX/2020 after going back and forth with them for weeks. The county approved the application and sent us the plat certificate that needs to be signed by wells fargo. On XX/XX/XXXX when we are ready to close the deal, all the sudden Wells Fargo want 's an appraisel for some reason, even though adding land will clearly not deminish the property value. They had never mentioned it once prior to this date. The appraisel was ordered and we talked to the appraisel company and they can't get ahold of Wells Fargo to see what kind of appraisel is required because it doenst make any sense to do an interior appraisel. They will not proceed until they talk to them. The Wells fargo employees will not return phone calls or emails regarding the issue. It is complety unresonable for this to be taking over 3 months now for a transaction that doesn't really affect them. It is a XXXX XXXX loan that they service, or lack service for.
Consumer complaint received 2020-04-11
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: CORELOGIC INC (IL)

I have 2 inquiries that are showing on my XXXX  credit report from TELETRACK XX/XX/XXXX and XX/XX/XXXX. I have contacted this company that was on my credit report on XX/XX/XXXX and XX/XX/XXXX and no response from the companies as to why they pulled my credit without permission.
Consumer complaint received 2024-04-15
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westlake Services, LLC (GA)

I am writing to file a formal complaint against Westlake Portfolio Management for their unethical and deceptive practices. 

Purchased of a car from a dealership. Ten days later, the dealership files bankruptcy and abruptly went out of business. 

I began receiving emails from Westlake Portfolio Management, a debt collection agency, regarding a supposed auto loan that I had taken out with them on XX/XX/year>. This came as a shock to me as I had never engaged in any business dealings with Westlake before. In an attempt to address this issue, I sent certified letters to the dealership regarding their breach of contract, only to have them rerouted to the Westlake Portfolio Management office in XXXX. 

Despite sending a debt validation letter to Westlake via certified mail, I have not received any validation of this alleged debt. Furthermore, Westlake has not ceased their attempts to collect this debt from me, nor have they refrained from reporting this alleged auto loan on my credit report, which has seriously affected my credit. It is outrageous that Westlake continues to pursue me for a debt that remains unvalidated and for a transaction that never took place.
Consumer complaint received 2023-05-31
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. (NY)

On XX/XX/XXXX, a company XXXX made a hard pull on my credit. Their information was provided as such : XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Apparently someone was trying to rent housing in XXXX Using my information. I have never contacted this company in regards to obtaining financing. When I attempted to contact them, I was not able to speak with a rep. 

Two other previous dates, there were hard inquires for Renting. Iv owned my own home since XX/XX/XXXX. 

One was a resident verifiy XX/XX/XXXX, the other was XX/XX/XXXX by the same company.
Consumer complaint received 2020-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I found three late payments on all three credit reports. I have filed a dispute with all three, two have corrected the issue Experian has not corrected the error. The dispute was with XXXX XXXX, I have made my payments on time every month. Back in 2018 I had XXXX XXXX   and could not work for three months. I contacted XXXX XXXX to ask for a deferment, they agreed to that. The following year My XXXX XXXX passed away, I asked for one more deferment due to funeral expenses in XXXX and XXXX where my XXXX was XXXX and many family members live, XXXX XXXX agreed to the deferment, for some reason the deferment came up as late which XXXX XXXX corrected. When I called Experian they said to file a dispute. I have already submitted the complaint, I can't do that again. XXXX XXXX said they notified Experian that the late payments are deferred payments not late. To this day Experian neglected to correct their error and this has caused me extra interest. 
Please have Experian correct their mistake. 
XXXX XXXX
Consumer complaint received 2023-01-01
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: AMERICAN EXPRESS COMPANY (VA)

An account from American Express with a balance of {$28000.00} is listed on my credit report. I have never opened an account with American Express, nor have I ever received any credit cards or correspondence from them. On my credit report it shows that the fraudulent account was opened in XX/XX/2022.
Consumer complaint received 2020-03-16
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. (CA)

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX Experian XXXX XXXX   XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on  my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

Online payments to Citi Bank/AT & T Credit Cards were recently changed. Payments now must go through an in between company named XXXX XXXX XXXX Clients should have been and were not notified of this change. 

My bank, ( XXXX XXXX XXXX XXXX ) through which Ive made payments to my AT & T/Citi account for years, does not accept XXXX  so payments to my AT & T credit card account did not go through. Puzzled, I attempted several times to pay and had online conversations with AT & T/Citi representatives XXXX No one knew why my payments were returned. Finally speaking to my bank I was informed of the reason my payments to Citi/AT & T were not accepted and were returned. 

Any late payment was due to Citi Bank switching to XXXX  and not informing credit card customers. I had to mail them a check! Funds were available. 

For instance, my bank recorded an online payment on XX/XX/2024 for {$4000.00} that was twice refused by Citi Bank. This was due to newly established XXXX  software. 

My credit score has been affected and they canceled my credit card.
Consumer complaint received 2022-12-31
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. (NE)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-03-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP (MI)

Found out 3 months later after pressured into pPurchasing vehicle and the sales person was informed that Im just looking I was very depressed Im under three medications for XXXX and he even Seen me crying and was brainwashing me into buying something to make me happy I was so confused and scared I just went in to look for a car they rushed the paperwork they didnt even let me get to see it which my eyesight is not that good we realize 4months later my daughter looked at the car Paperworkand said why is your payment high she seen that was 17 % interest rate Ive been struggling for a year and a half to make that payment I haveNo other vehicleI tried to call Honda they wont help I even called the dealer that sold me the car and told him he tricked me knowing the condition the mental condition Im under this car payment is too high for me and I O more than its worth
Consumer complaint received 2020-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Self Lender Inc (IL)

This company i feel has been nothing but fraud. They gave done nothing to build my credit its actually gone down dramatically since i started with them I got the secured card thinking that that was going to help build my credit even more but the secure card did absolutely nothing the company has refused to respond to several emails even though they say they respond in 24 to 48 hours I've gone days upon days of no response they will not show me what transactions were used on the secure card nor do I have a way of checking with the balance is on the secure card even on the statement it doesn't show me a full history of all my transactions I also tried to schedule a payment but they didn't try to process the payment until three or four days later even though it said it was going to be an immediate payment then had the nerve to send me an email saying that I could get tired to see because the payment got declined if they would have ran the XXXX dollar payment on the day that it was supposed to be ran immediately I wouldn't have this issue so I'm having issues with customer service with billing is in the biggest thing was having a credit card that I have no way of checking with account balances are reaching any customer service and they only have way for me to email them they don't answer the phone and i also need to dispute a transaction
Consumer complaint received 2019-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

please update my current address to XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX and remove all other addresses showing on my report. I have attached a copy of my most recent utility bill with my current address
Consumer complaint received 2020-03-16
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: EQUIFAX, INC. (TX)

Equifax and XXXX  are reporting incorrectly a charge-off in the amount of {$370.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was sent to collections and has been paid. There is no outstanding balance to report and therefore no balance to charge-off. This reporting of an account that already had gone to collections is a violation of the Fair Credit Reporting Act and this line item needs to be removed from my credit report. This false reporting of a charge-off seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-03-16
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. (NV)

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX , XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Experian XXXX XXXX    XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX , XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX , XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

Equifax Information Services LLC XXXXXXXX XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX , XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX , XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX , XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I have attempted various times in calling Capital One CC company to reduce APR of 24.40 % to a more reasonable rate. I can not believe government can allow CC scams with 0 % introductory only to find out once purchases are made and years goes by they are allowed to raise to 24.40 % which causes any minimum payments made are mostly interest. This unethical allowed practice is worse loan sharks because your credit rating is directly affected. With Goverment interest rates at all time low, how is this not regulated to disallow CC charging outrageous rates. 
In current COViD-19 Pandemic Fed Government advising to contact CC companies to reduce rates to assist in payments during this time. CaptialOne is NOT willing to change or do anything other that defer one month payment but still acruing interest, which does not help what so ever, just another way for CapitalOne to make additional money on deferred payment. 
Payments going to all these high interest CC companies severely affect usable income for other needs to survive. 
Some interest caps need to be put in place based on income levels to assist families struggling and need to have access to credit card use. 
Hope someone steps up and does right thing to help families that are being taken advantage of.