davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

On XX/XX/2020 I XXXX XXXX and XXXX XXXX XXXX made a money wire transferred to my mortgage with Wells Fargo. Since there had been prior communication with the bank it was agreed that the {$25000.00} dollar wire will be applied to the principal only. As a result, the debt successfully dropped from {$89000.00} to {$63000.00}. 

Since XX/XX/2020 the loan maturity date has not changed. It continues to be for year XXXX. The mortgage monthly payments are not lower either since the money wire on XX/XX/2020. 

We the customers have questioned Wells Fargo via email on XX/XX/2020 and on XX/XX/2020 and both occasions Wells Fargo has written back with the same excuse. The bank has provided the address of the investors to my mortgage in New York. Wells Fargo has failed to disclose the investor 's names or even worst ATTEMPT to be a liaison between the investors and us the clients. Wells Fargo has shown NO ethical duty to order the " investors '' as described by them to review and provide a new and accurate maturity loan date. 

Furthermore, this should be violation since our mortgage interests are been computed on the old maturity date ( XXXX ) and not on a newer maturity date. 

Wire sent to : Bank Name : Wells Fargo, N.A. 

ABA Number : XXXX Account Number : XXXX Credit Account Name : XXXX  XXXX XXXX : XXXX
Consumer complaint received 2020-03-12
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: Experian Information Solutions Inc. (AZ)

I have a serious situation with Experian regarding the following : I contacted them on several occasions and got either no help, they didnt understand what I meant when I explained in detail, they told me things that were not correct about my account, transferred me but didnt say what type of department I was being transferred to. I someone based on all of the screen shots could log in which is one serious issues as you will see from my emails I sent to them. I started a dispute and it logged me out and then started over but there is a character limit so they cant read what all I wrote in addition to continuing to email me saying new information is a available now and to log in well either I log in and says I have an account or gives errors and if you see the PW reset I cant even believe thats what it says. I have tried every avenue, I even left a message with 2 people in their regional offices two weeks ago and not even a call back from either to say something such as XXXX, here is where I can direct you, we are happy to help etc. this is a mess and so many issues its hard to write them all but also I asked point blank to send me something or send XXXX XXXX XXXX who declined me and in approx 19 years ( 6 vehicles leased back to back which is considered a loyalty customer still declined me ). My lease was up XX/XX/XXXX and I know nothing other then to do what Ive done for my last repeat leased vehicles but schedule my vehicle inspection, turn in and release. Well now I will have no car, have to pay out of pocket for the disposition fees, and whatever else versus those being waved. XXXX was gracious enough to extend my lease for me for 2 months to help me work on my credit as there are items that are wrong. I successfully was able to dispute a medical bill in collections that never should have been in collections with XXXX and yet Experian still has it and reporting it. This is not right when I have done all I can and have spent a month on this daily. They claim all of these things and give wrong information and pawn you off on others because say they dont know why I cant log in. Well I could and they even mailed me my credit report which is so long and so negative and wrong items but yet I cant dispute other then the one I started and instead of coming back and saying they cant read or understand it because it allowed me to only give like 3 sentences they started a dispute and apparently its complete but I cant see the results. I just need to attach please what I sent to them as I think that will sum it up. Thank you so much
Consumer complaint received 2023-01-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity Properties Inc. (TX)

On XX/XX/XXXX, the following company Fidelity Collections, claims that I opened an account with their establishment, owing currently the sum of {$61.00}. As of XX/XX/XXXX, the company continues to claim and report to all three credit bureaus, that I am responsible for a debt owed to their company. that I owe, as shown on my credit report. The following company, Fidelity Collections listed fraudulent claims of debts owed on my credit report, which are heinous, inaccurate, and false. This company claims that I currently owe the aforementioned amount, but has not provided proof of my entering into any legal or contractual agreement. According to the Fair Credit Reporting Act, this creditor is legally bound to provide accurate information. They are violating this legal ramification as I have no knowledge of this account, nor have I entered into any agreement with this company. This company should provide proof of debt owed, as well as provide the original document brandished with my signature showing that there was a mutual agreement entered if they can not provide this information. This inaccurate and false defamatory information should be removed immediately
Consumer complaint received 2021-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Amidst this worldwide crisis that we are facing with all that is going on this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Consumer complaint received 2020-12-26
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. (FL)

I APPLIED FOR MORTGAGE LOAN WITH XXXX. THEY USED FACTUAL DATA XXXX IN XX/XX/2020. BECAUSE OF COVID 19 XXXX CALLED ME WANTING TO KNOW IF THEY COULD PULL MY CREDIT AGAIN BECAUSE OF REMOTE WORKING. SO MY CREDIT WAS PULLED AGAIN WITH FACTUAL DATA XXXX ON XX/XX/2020. THESE XXXX PULLS SHOULD BE COMBINED INTO XXXX PULL FOR XX/XX/2020. BECAUSE OF COVID 19, 2020.
Consumer complaint received 2020-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (AZ)

I received an offer from Chase that came with a number of blank checks. The offer 's terms indicated that there is a 0 % APR through the billing cycle that ends on XX/XX/XXXX. I cashed what Chase refers to as an access check ( adds to the credit card balance ) on XX/XX/XXXX for {$1500.00}. I also continued to use the card for various other purchases, but paid those charges in full within a day or two of making the purchase, leaving only a portion of the {$1500.00} as a balance. I checked my statement, only to find out that they had charged {$9.00} in interest. When I called them to dispute the interest charge, they reversed that charge, but indicated that going forward, if the balance isn't paid in full, interest would once again be charged. 

Their explanation for this doesn't make any sense to a reasonable human and is horribly misleading. They state on the back of the offer : " If you take this offer and do not pay off your entire balance each month ( including the promotional balance that you add by using this offer ) you will lose the interest free period. This means that you will being paying interest on all new purchases, even if you pay your purchase balance in full each month ''. 

There are two serious issues with this approach : 1 ) How  am I paying interest on all " new purchases '', when the purchase balance is paid in full each month? The answer is that I am not paying interest on new purchases, I am paying interest on the promotional balance because that is all that remains on the account. The notification does not make that clear and is seriously deceptive. 

2 ) There is clearly no 0 % interest rate offer for a year, since according to the offer language : " If you not pay off your entire balance each month ( including the promotional balance that you add by using this offer ) you will lose the interest free period. So, the offer goes away if you don't pay the balance in full each month including the promotional balance. How is this interest free for a year? 

At the end of the day, what they really mean is that the 0 % offer only works if you don't use the card for any other purpose after you have accepted the offer, whether you pay those charges immediately or not. Had they made that clear, I would have used another card to pay for my purchases to keep the 0 % interest rate intact.
Consumer complaint received 2021-03-16
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CO)

On XX/XX/2021 i spoke with XXXX XXXX and he told me if i paid {$500.00} that amerisave would lock in a rate of 2.75 % for 90 days. When i told him that i was going with another lender he stated he would try to get my money back. When i reviewed the disclosure it did not state that i had a locked in rate but a floating rate which i had not agreed to. Once he took the money he started communicating through his personal hone number. I text messaged him that i would not use amerisave in the future and let everyone know about the fraudulent {$500.00} lock in rate scam i no longer received any correspondence from him at all and my loan was closed. I should get my money back and people should be aware of this type of fraud. This in my mind constitutes a scam and should not be allowed to happen. I am just trying to get my {$500.00} back.
Consumer complaint received 2022-07-13
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. (NY)

In accordance with the Fair Credit Reporting act, 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 my written instructions
Consumer complaint received 2020-03-12
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)

On the past month of XXXX, I applied to buy a home. I was surprised when the loan officer denied me due a negative account on my credit report from Experian. 

I disputed the account with Experian via certified mail XXXX. Back on XXXX, your institution was notified to relieved me of all responsibility regarding this account. This account belongs to my ex-spouse and as you can see in the court documents attached, I was supposed to be removed. I sent as a supporting document the Court Order including the translation. ( See attached ) I received the dispute results ad came as verified as accurate. Its funny that mentioned the report was updated. I sent the letter on XX/XX/XXXX and was received on XX/XX/XXXX. But the new report generated today XX/XX/XXXX said the account was updated on XX/XX/XXXX Does they really investigate the account? If so, why the dates showed they didnt. ( See attached ) I Also disputed the account with XXXX XXXX XXXX via certified mail # XXXX. The letter was received by the mentioned company on XX/XX/XXXX ( See attached ) As today, XX/XX/XXXX the company didnt respond. Under Fair Credit Reporting Act ( FCRA ), companies generally have 30 days to investigate the dispute. Failed to respond is a violation under the law. When I sent the dispute, they supposed to cease and desist any collection activities until they send me the results of the investigation. They didnt response my dispute, but they went ahead to verify the account with Experian which under the law is considered a collection activity which is another violation under the law. 

As you can see, there is a lot of violations involved here. Im demanding to remove the account # XXXX reported by XXXX XXXX XXXX from my credit report due the mentioned violations and because the account is not belong to me. 
See attached the letter copies of the letter sent to Experian and to XXXX XXXX XXXX and the Court Order.
Consumer complaint received 2022-03-22
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. (MI)

To whom it may Concern I want to file an executive complaint against all three credit bureaus I have reached out to the Three Credit Bureaus To have these fraudulent negative items deleted that is negatively impacting my score Ive asked them to remove the negative items from my credit report numerous times after so many failed attempts to have the derogatory items and remarks removed from my credit report that was made fraudulent due to identity theft that Caused these negative items on my credit report they failed to send me proof of the reasonable verification process of proof how these accounts were validated or verified I have all my proof and documents to provide
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Receivables Management Partners, LLC (MI)

I have two medical debts for XXXX XXXX that is being reported incorrectly by money recovery  collection agency, they transfer them between themselves and another collection agency they own, the Debts are more than Seven years old but they are reporting them from they day they switchEd them from the other collection agency instead of the actual delinquency date! I have disputed these several times and the collection agencies will not remove them!
Consumer complaint received 2021-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Hi CRA Mgr ; Listen, i was going through my credit again this morning and noticed that this XXXX  Account # XXXX is still showing on my credit report as a charge-off status with multiple inaccuracies, and incomplete and misleading information. There is no way that this account was truthfully investigated because it continues to report 3 different high balance, different actual balance, different dates of last active, different dates of last payments, and a closed chargeoff account, shouldn't reprot any late payment and c/o on payment history. This is incorrect reporting and it's in violation of fcra and its illegally causing this account to re-aged.
Consumer complaint received 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MA)

Hello and how are you? The other CRA went ahead and removed this bankruptcy public record from my credit report several months ago due to it being reported incomplete and misleading. But, unfortunately, your unlawful conduct has caused me a lot of stress and financial harm, including worry and other distress, out of pocket costs and expenses, and loss personal credit opportunities. You have failed to conduct a truthful investigation into this PUBLIC RECORD by the consumer laws. NOT IN COMPLIANT! 

Listen there is no way that you investigated this Public Record as accurate because I asked the court if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verify this?

For example, court name is not accurate each bureau must report the actual name of the court, followed by ( city, state ). Youre required to obtain verification from the DATA FURNISHER and the court told me that they dont verify with you, so HOW is anything else considered legal verification? I need for you to send me the petition to verify this account. If you can not do that, then this needs to be removed.
Consumer complaint received 2020-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I've submitted disputes over 10 times about my XXXX account being reported incorrectly. 

1st Issue I applied for one student loan and the student loan is paid monthly but they split my loan three ways because the one loan that I was approved for had three separate deposit dates to my school ; even though they were sent three different dates - It is still one loan that I signed off for and applied for- I didn't apply for three separate loans - So, it should've never appeared on my credit as three separate XXXX accounts. 

2nd Issue XXXX is currently with ONE LOAN reporting me as having 18 late payments for one loan and is reporting it as 3 separate loans with 6 missed payments each. Again, I did not individually go in and apply for three separate loans. I applied for one loan. Example being : Car company can't give you a loan and split it three ways and say one is for suspension, one for engine, and one for transmission. It is one car. Regardless of the multiple components it is one car. Why is my ONE loan being reported as three ; bullying me into handing me 18 missed payments for the reality of what should've been reported as 6 missed payments 3rd Issue XXXX signed off and gave me a XXXX Hardship Forbearance. Regardless of when that was submitted - Law states that any information that is supplied to support credit issues should be updated immediately. I've submitted a XXXX forbearance letter that is for the full 6 months of late payments XXXX gave me. 

Those late payments should all be blank dates on credit report because they were placed under hardship forbearance
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

A XXXX ad for an apt was put up earlier today ( XX/XX/22 ) and when I contacted the supposed owner, I was asked to go to a website to get a credit check. The link for the website was : XXXX XXXX XXXXXXXX. It took me to TransUnion website where I had to put personal information ( name, DOB, and SSN ) and pay {$26.00} for a credit check. Once I had done this, I failed the safety check and was not able to see my score. When I contacted the owner of the property about this, they never responded to my email despite being very prompt prior to asking me to do the credit check. I took steps to cancel the account on TransUnion website because the charges would have been monthly.
Consumer complaint received 2021-03-16
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 — Investigation took more than 30 days
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2024-03-15
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. (GA)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as a proof of my identity.
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

XXXX  addressed one of the issues, but not my concern of how they continue to report the utilization of my credit being at 47 %. 
My card utilization is only 8 %. 
After contacting XXXX  they made the correction right away. 
Seeing that this aspect of credit card utilization is essential to repairing ones credit. 
The refusal to correct this error seems intentionally underhanded. 
I've no response regarding the correct reporting of my card utilization. 
Can I sue them for this?