davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (CA)

I have one last issue still outstanding : My account dispute has been resolved. The conclusion was my account has been re-opened. Two late fees removed. However, there is still one outstanding late fee on my account. Also, there was a letter stating that all late fees will be updated via the credit bureau ( all three reporting agencies. ) As of right now, the account is still reporting negatively on my report. I need my report to be updated with update of the results from the account dispute. In other words, the account should be reported showing as follows : Open Paid on Time Which notates the two recent payments of {$250.00} and {$170.00} I need a letter stating this information to submit to the bureaus, if the need arise in the future. 
The company stated my report ( all three ) would be updated. Not Completed The late pays to be removed. Not Completed A letter notating the account reopened ( no longer closed ) and reflecting the payments. Therefore, the late pay fees should be credited. Not completed.
Consumer complaint received 2019-12-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (NC)

Caliber Home Loans has repeatedly harassed me acting as a Federal agency that my lender approved to refinance my mortgage even though I have contacted on several occasions to stop their deceptive practice, but they continue to harrass me with mailings and phone calls. 

I want them to stop and desist with this arrogant behavior.
Consumer complaint received 2022-01-20
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: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX according to USPS Certified Mail XXXX received a letter from ME regarding inaccurate and unknown items on my credit report. Embarking on 120 days later I have not received one word about the inaccurate items that I noted in the letters received by your company on XX/XX/2021. I feel like I'm being taken advantage of and ignored about my disputes. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 120 days soon. These items should be deleted promptly. I demand that these items are deleted immediately or I will file for litigation do to the stress this has caused me. My information was also compromised by the XXXX data breach and may have gotten into the hands of the wrong person. 

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year as well as preventing me from applying successfully to purchase a new home I sorely need. I need this problem fixed asap I will not wait another 120 days to receive a no response because clearly Im being ignored. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 120 days soon so they should be deleted promptly.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (NC)

I don't have exact dates as I have been with this company since XXXX but I have been charged numerous and extremely large amounts of overdraft fees some leaving me with little to no money to last me until the next payday. I stayed with them only because of the daughting and aggravation of getting everything switched over to another bank. There was. A few years there they were eating me up in overdraft fees. I would say XXXX to XXXX to was unreal. I was working to pay them. I would plead with them to help me and they would drop XXXX od fee. Ridiculous and greedy people.
Consumer complaint received 2022-01-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WSFS FINANCIAL CORPORATION (NY)

After numerous copies and complaints, XXXX XXXX XXXX  concedes that modification payments were made to XXXX and XXXX but are not reflected in the foreclosure judgment balance. 
All the affirmations made upon the court are incorrect as to the balance of {$120000.00}. They also concede that a modification was approved but was not given to me. But after conceding to these facts they state there is nothing they can do since the home was sold at a foreclosure sale and they no longer have anything to do with the property. They state the loan holder ( Wilmington Savings Fund Society , FSB d/b/a Christiana Trust, not individually but as trustee for XXXX XXXX XXXXXXXX XXXX ) at the time of foreclosure. is still the loan holder and it is their responsibility to correct any issues. XXXX states they are only a servicer and the loan holder can only make the corrections. 
XXXX states XXXX  is responsible I would think the LOAN HOLDER is not the servicer. I am tired of going back and forth someone is responsible. I believe they have repeatedly discriminated against me ignored the facts,
Consumer complaint received 2022-01-20
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. (NJ)

My XXXX XXXX with 03 credit bureaus agency Experian, XXXX and XXXX don't grow enough Although I don't have any existing debts and my payment history on time since XXXX which I should have a better score than I currently has, I don't have any payment for credit cards or car loan that is late nor I owe money to any credit card or Mortgage company. 
all my previous old credit card since XXXX was settled in full therefore I'm disputing all the negative records on my credit profile, I never been contacted by any agency that I owe them money. 
my question is why my XXXX XXXX never increase however I have great payment history.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My ex-wife filed for bankruptcy in XXXX and XXXX XXXX was the only mortgage company that locked out my access to my account and turned off my autopay feature. I was forced to make manual payments each month and they would not provide me with any of my account documents or statements. Two times during the ex-wife 's bankruptcy, payments arrived late and negatively impacted my credit report. 

In XXXX the bankruptcy was closed and they refuse to give me back access to my account or send me my loan documents or statements while they are increasing my rate unannounced to me due to an insurance increase many months from now. This most recent increase that was not communicated with me has triggered a scenario where they are marking my account as deliquescent on my credit file because my bank auto-draft payments did not meet the increase. My documents and statements are still being sent to the ex-wife 's attorney even after they have been provided proof that the bankruptcy and divorce are closed. 

XXXX XXXX will not provide me access to my account on my loan in my name due to a formality where the ex-wife 's name is on the mortgage and they are trying to force me to restructure the loan and go to a higher interest rate in the current market. I am not required or obligated to refinance and should be provided access to the account again. I have spoken to the other mortgage companies I have loans with and their reps tell me that XXXX XXXX is operating under some bizarre policy that their company has created and it does not comply with the mortgage industry standard in this circumstance.
Consumer complaint received 2023-01-23
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


INSTITUTION : XXXX XXXX XXXX XXXX ACCOUNT HOLDER NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-01-23
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. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, 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
Consumer complaint received 2023-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (OR)

Someone is opening checking accounts in my name with XXXX and Chime. Both banks are making it incredibly hard to close the fraudulent accounts as well as helping me get any info associated with the accounts. Ive filed an FTC report and a police report. The companies told me after those steps they would release the account info but are still failing to do so.
Consumer complaint received 2023-11-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

A letter was sent to me by Wells Fargo on XX/XX/XXXX in regards to an incorrect social security number that was entered nine years ago by the banker for my son 's information on our Safe Deposit Box. The letter stated " We recently sent you communications requesting that you provide us with a completed Form W 9. As we did not receive a completed Form W 9 we will be closing your above referenced accounts ''. I called the number on the letter and the agent told me to make an appointment at the branch to correct the error. When I went to the branch the Personal Banker did every thing she could to correct the error. I had already made payment for the box and the bank cashed my check XX/XX/XXXX for the rent due on XX/XX/XXXX for the year XXXX. 
Wells Fargo would not work with my banker in resolving my account. We had no choice but to clean my box and close my account. I was told that it was final and they were going to cancel my lease agreement and access to the box XX/XX/XXXX Since then I received a call from a Escalation Representative at Wells Fargo in XXXX Or. He was to get back to me with a copy of the original letter by XX/XX/XXXX. Today XX/XX/XXXX I contacted him again to be told that an email was sent to me by another Senior Escalation Representative at Wells Fargo. I did not receive any emails from that Rep. I asked to have the email sent again. The answer was that person had to give permission to resend the email. Case # XXXX
Consumer complaint received 2019-12-17
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. (FL)

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX  XXXX   XXXX. ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT FROM XX/XX/, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE REMOVE OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE BOTH NEGATIVE ACCOUNTS FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE NOR SUCCESS FROM EITHER OF THE BUREAUS. I DON'T UNDERSTAND WHY THESE ACCOUNTS ARE STILL REPORTING, IF THE ACCOUNTS AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THOSE ACCOUNTS IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNTS REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.
Consumer complaint received 2023-01-23
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. (GA)

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Crediting Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

It is also my understanding that Under FCRA 15 U.S.C 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

The FOLLOWING account allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, ULTIMATELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and/or standards and MUST be removed immediately, do so TODAY, even RIGHT NOW! The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment my credit report : { XXXX XXXX XXXX XXXXAccount # XXXX due XXXX days late reported on XX/XX/2023 } I am demanding that this account be updated to Paid as Agreed and Never Late. 

This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards. 


By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant and verifiable. I demand that this item be investigated and removed from my report. I demand that the above mentioned derogatory item be investigated and permanently removed from my report.
Consumer complaint received 2023-01-23
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. (MO)

I submitted this complaint to update this suspicious information. Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-23
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. (VA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated 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
Consumer complaint received 2019-02-11
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: PNC Bank N.A. (RI)

On XXXX XXXX2018 I received an email from a person named XXXX XXXX stating that they wanted to buy two party dresses I had for sale on a website called XXXX. I was asked how much money I wanted for the two dresses and gave the amount of {$130.00}. I was also asked for my name and my address to send a check to. I was told that I could be met in person in a public place for these items to be picked up. After this, I had not heard from this person except for multiple excuses for why this item was not purchased and why the check was not sent out. On XX/XX/, 2018 I received  a check in the mail from an XXXX XXXX from XXXX XXXX, Kentucky. The cashier 's check was made out to my name, but the check came from XXXX XXXX for XXXX. The check is coming out of an account from PNC Bank in Illinois, This was a lot more than the {$130.00} I asked for. When I emailed XXXX to tell him I received the check, he told me movers would be coming for this item and I would be paying for them to come move these items. They wanted {$500.00} in XXXX gift cards. At this time, my bank- XXXX XXXX told me the check was fraudulent because there was no such person and no account from PNC Bank XXXX and bounced in my bank account. As a result, my bank account is closed until I can make a payment. Since I can not make any payments on my checking account and credit cards, my credit card minimum payments have skyrocketed.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

Chexsystems is reporting inaccurate information on my chexsytem file. They are reporting an account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this was sent in error. Also, chexsystem is reporting a fraudulent account from XXXX XXXX  that does not belong to me. I want both account removed from my chexsytem file immediately or I will get an attorney involved
Consumer complaint received 2019-12-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (NJ)

I used an ATM in XXXX and the machine had an error. I submitted a claim and it was not resolved and Wells Fargo withdrew money from my account. I submitted a photo with evidence and they still havent resolved the issue meanwhile I was charged fees due to not having these funds.
Consumer complaint received 2019-12-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I see unauthorized credit inquiries on my transunion report, I try to call the companies to find out why they pulled my credit and they refuse to give me any information. 
here are the unauthorized inquiries XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (FL)

Hello, This happened multiple times with XXXX. They send a debt collection even when the account has been closed. I have called them and made sure my account had no balance before closing the account. I then received a debt collection notice. I disputed the collection from an agency and it was approved with XXXX. XXXX then sent the collection to another agency and reported it on XXXX this time. I went in one of their stores and made sure I had no previous balance. However, XXXX keeps sending debt collections. I have spoken with other past customers and apparently it is a running problem with them. They steal from people. I attached the past dispute I had resolved, and again I have a new one years after. I do not even have XXXX services.