davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, 3 accounts were disputed to TransUnion that the accounts on my credit report are reporting inaccurately. Transunion is in violation of the FCPA for not entering the notice of dispute 30 days after the account or item is disputed. After months of bringing it to the attention of Transunion of the violation, they refuse to delete the inaccurate accounts off my credit report. FCRA 623 ( a ) ( 3 ) states once a consumer disputes information, you may not report that information to a CRA without telling the CRA that the information is in dispute. Transunion has sent a response that their records show that they previously completed an investigation and that the accounts were verified. I did not request the accounts be verified. For Transunion 's non-compliance of the FCRA, I am aware that Transunion may be sued by me, the FTC, CFPB, and state governments of a maximum penalty of {$4000.00} per violation in the case of lawsuits brought by the FTC. FCRA 616, 617, 62. A copy of the complaint will be sent to the FTC and the Texas Attorney General.
Consumer complaint received 2020-03-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Around XX/XX/2020, I spoke with a Home Preservation Specialist at Wells Fargo named XXXX XXXX in regards to applying for assistance with my mortgage. I have had a hardship and I am currently going through a divorce. I explained to XXXX that my divorce is not final and that my soon to be ex husband who is also on the loan, no longer lives in the house. Due to the loss of income, the home is not affordable, but I am being granted the home and I am the person living in the home and trying to maintain the mortgage payments. XXXX advised me that I would need to complete the Mortgage Assistance form, provide a pay stub, and in lieu of the divorce decree, because the divorce is not final, that a recorded quit claim deed would be sufficient in order to be reviewed for a loan modification or other assistance programs. I advised XXXX that there would be a delay in getting this recorded quit claim deed because I would need to go through the attorneys due to the active divorce proceedings. She indicated that this was okay, and was needed to move forward. 

Fast forward to XX/XX/2020. I finally have the recorded quit claim deed and I upload this last document to Wells Fargo. To my surprise on XX/XX/2020, I am now being told that I am going to need a divorce decree to be further reviewed by underwriting for any assistance programs. I expressed my dissatisfaction of this because I just spent hundreds of dollars that I didn't have to have this quit claim deed prepared, and the cost to have it notarized and filed and recorded with the county. I was told that they are sorry that I was informed of the wrong information that a divorce decree is needed as well as a quit claim deed. That the underwriter wants to see that the judge awarded me the property?! How is this even legit when the quit claim is the other homeowner giving up his rights to the property. Obviously, I am the only person left on the deed, the only owner of the home! How would the judge go back and grant the property back to someone that doesn't want it ( signed a quit claim deed ) and that doesn't currently occupy the home?! 

I was informed by XXXX who is a manager, that she was sorry, but there is nothing they could do. This is ridiculous. I have just wasted time and money getting this quit claim deed as I was instructed to do.
Consumer complaint received 2023-05-11
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: EQUIFAX, INC. (NY)

I am a victim of identity theft there has been attempts to open credit cards and car loans under my name giving me hard inquiries on my credit report that are not mine. Im attaching my identity theft report which states all the inquires that are fraudulent & must come off. I will also be attaching my license as proof of my identity. The inquiries that are fraudulent are XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX Thank you.
Consumer complaint received 2020-03-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IL)

In XX/XX/2014, I refinanced my house thru XXXX XXXX XXXX. The terms of my new loan included PMI. Within 30 days it was transferred to Wells Fargo. PMI may be insurance for the lender but it is a charge, a fee, against the borrower. The monthly statements I received from Wells Fargo make NO mention at all of the PMI that is paid each month. The PMI is stated on an escrow statement that comes out once a year. I did not see my PMI for several months before I became aware of it being an active and monthly fee. I accepted the PMI from the lender who originated the loan, with the intent of cancelling as soon as possible. When its transferred, and no mention of it on the monthly statement, it leads one to believe possible removal or cancellation of PMI by the new lender. My credit score is excellent, above 800.  My monthly mortgage payment has NEVER been late. All other businesses are required to show all monthly charges and fees on the monthly statement. It appears Wells Fargo is not being 100 per cent up front about fees and charges with their mortgage customers. I think its a bit sneaky how they hide this fee with the other escrow funds held aside for property taxes and home owners insurance, and then communicate this once a year to the borrower. I have made several calls to Wells Fargo, and have written two letters. One of which will be attached here, along with a mortgage statement. ( The other letter got deleted but was the same message. ) I have requested that they re fund me the PMI that was paid over 5 years of this mortgage loan, due to Wells Fargo 's failure to properly communicate fees and charges on the monthly mortgage statement. I have also asked them to return the 2 original mortgage statements that I sent to them for review. They have refused to send them back offering copies instead. I TOLD THEM, you can make copies for YOUR records, send back MY original documents. I have had two conversations with XXXX, and several with XXXX XXXX. XXXX XXXX is no longer returning my phone calls. I have left several messages. Terrible customer service. I am filing this complaint after several phone calls and letters with Wells Fargo, also giving them a chance to correct this well before I file a complaint here with the CFPB. In conclusion, charges and fees MUST be communicated on the monthly mortgage statement, like all other businesses like airlines, hotels, car rentals, wireless cell phone bills etc. Send me my money back! 
XXXX XXXX
Consumer complaint received 2023-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX  days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-03-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (AR)

I AM A VICTIM OF IDENTITY THEFT. I HAVE BEEN TRYING FOR SEVERAL MONTHS TO GET THIS REPORT CLEANED UP BUT THE BUREAU JUST KEEPS GIVING ME THEW RUN AROUND AND IGNORING THE FACT THAT THIS IS FRAUD. THEY ARE CONSTANTLY TELLING ME THAT THIS ACCT WAS VERIFIED BUT THERE IS NO WAY BECAUSEITS NOT MINE! YOU CAN NOT VERIFY AN ACCT THAT WASNT OPENED BY ME. I HAVE RECEIVED DEVERAL COPIES OF MY CREDIT REPORTS BUT NO PROOF OF WHAT THEY ARE CLAIMING IS VERIFIED. I NEED A SIGNED CONTRACT BY ME OR THIS NEEDS TO BE DELETED IMMEDIATELY BEFORE LEGAL ACTION IS TAKEN AGAINST THE BUREAU AND THE FURNISHER THATIS REPORTING. 
XXXX XXXX XXXX
Consumer complaint received 2020-03-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (NV)

I sold our car last year on XX/XX/19 and immediately attempted to cancel the Vehicle Service Agreement by contacting the dealer we bought the car from. every time i was directed to contact the finance department where i left countless voice mail messages. i have never heard back from them once to help me. There has been complete silence from the dealership
Consumer complaint received 2020-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I when to apply for a store card and was denied for too many delinquencies to my surprise then, checking my credit report I found some discrepancies in items that are not mine, I believe I've been a victim of identity theft, so I'd like to report this to ask for help in restoring my credit. 
In the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to  obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2020-03-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

As part of a promotional plan through Comenity Bank and XXXX XXXX in exchange for a low APR I was charged extra fees of which I was aware. I routinely made extra payments above and beyond my normal monthly payment and asked them to pay off different promotional balances with those payments. The company refused to allocate the payments as directed. Instead they kept the promotional accounts open as long as possible to charge more fees. They would keep a {$2.00} balance on a promotional plan and change {$2.00} in fees month after month. I paid over {$500.00} a month every month when the minimum payment was much much less and additionally I made separate individual payments to pay off these balances. I utilized their own " secure message center '' and phone calls to dictate how payments were applied, as they requested I do. The directions were ignored. I called repeatedly to rectify this problem. After one of the phone calls the messages on their " secure message center '' that I had sent with my payment directions all vanished. Luckily I have copies. When they refused I asked for a payoff amount. I promptly paid that amount the same day and closed the account. Again I received a bill for {$15.00} more dollars in fees. I am being threatened with credit bureaus reporting for this amount in their last communication. The account was paid off 2 weeks ago and has never once been late. I have great credit, a long history of credit accounts and am a conscious consumer. I will NEVER utilize any comenity product again. I will also not be shopping at XXXX XXXX any more for their support of these predatory lenders.
Consumer complaint received 2020-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

Calling Equifax to try to dispute a transaction on XX/XX/2020 and after asking me for proof on my identity they were not able to authenticate my information. They were asking me to send copy of my Social Security and copy of my Driver Licenses by mail to the legal division of Equifax. 

I told them that no PII ( Personally identifiable information ) should be send my regular mail to provide my identity. I informed them that the mail could be intersect with my information. They insisted to send that way, I told them I will not comply and that is against any policy concerning PII. 

They well not able to help after all. 

They should not request to customer to send copy of my SS and Driver license by regular mail.
Consumer complaint received 2022-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Summit A*R, Inc. (FL)

Summit has been informed and acknowledge a bankruptcy case. Summit continues to report the account on credit report as a collection in attempt to collect. Call have been made for the agency to remove account from credit bureau and the refuse causing violation under The XXXX XXXX XXXX
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OK)

XXXX ; Experian and XXXX should not be reporting each Inquiry showing on my credit report as a separate line item. ( Please see page attached from my credit report. ) These multiple inquiries are well within the ( 14 45 plus ) days that is typically allowed to check different lenders and find the best loans. These inquiries are all like kind and therefore should only be reporting as ( 1 ) individual line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these additional line items need to be removed and report only ( 1 ) inquiry for each. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2024-03-20
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. (FL)

On XX/XX/year>, I was alerted that there was a hard inquiry on my credit report from XXXX XXXX Bank. I did not make this action since I was at work ; I also do not plan to sign up for a new credit card any time soon. I called XXXX Bank and the representative said that I would need to contact the Credit Bureau to resolve my issue. I called Equifax and the representative there told me to file a report on reportfraud.ftc.gov. I was also planning to email a cover letter and some of my personal information to Equifax XXXX XXXX explaining my problem.
Consumer complaint received 2023-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX  days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2023-02-05
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. (NV)

This is the second time that I have had to do a police report because the credit bureaus keep allowing someone to open accounts in my name. I had my car stolen with all my personal info in it about 4 years ago and ever since then someone keeps doing this. I mailed everything the credit bureau asked me to mail to them as proof and they only took off one or two of the accounts not all of them. Also two of my credit cards are showing as more than 30 days late and they were not. I sent in receipts and my bank statement as proof they were paid on time and they are still showing late on my reports.
Consumer complaint received 2023-05-11
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. (FL)

this creditor is reporting inaccurate information on my consumer report. the account is inaccurate because it is listed as an inaccurate status that does not correspond with the current status that the account is in. i requested the form 1099c as per the irs when the account is in charge off status or a form 1099c was not filed therefor the account was not charged off. so its been reported inaccurately and pursuant 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. This account must be deleted pursuant these laws
Consumer complaint received 2018-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OR)

I have been out of the USA for the past 5 years and during this period my SSN has been used to apply for his/her loan. ( I have clear evidence that I have not been out of the country- I am still abroad ).
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I want the following inquiries removed from my file. These are not mine and I did not authorize or recognize. It appears that someone may have used my personal information without my consent to make these inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-11
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: EQUIFAX, INC. (NC)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Self Financial Inc. (NC)

Closed my accounts in XX/XX/2023. This account at SELF was intended to help improve my credit. After years of no success, i closed this account. Unfortunately, this company continues to send me interest fees and late charges. I asked them to remove all charges due to my account closure.
Consumer complaint received 2023-02-05
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: WELLS FARGO & COMPANY (OH)

I am attaching additional information/documentation that highlight that Wells Fargo made a bank error in regards to my account and attempted to withdraw my payment from a bank account that was not mine and had never been present on my account. 

Attached is correspondence from Wells Fargo on XX/XX/XXXX that there are no notes in the comments on the account that I made any change to the online account. 

In that same letter, Wells Fargo indicated that there was research that I changed my account from XXXX to XXXX, which is contradictory to confirming that I never made any change to the account. 

Wells Fargo stated that there was insufficient funds in this account from XXXX, and said that my account reverted by for subsequent payments to XXXX, for which every single XXXX of my payments since this account has opened since XXXX of XXXX has been made from. 

Also attached is my payment history on this loan, as well as as a verification letter from my bank XXXX, that confirms that my XXXX accounts with them opened in XXXX, which is around XXXX  years prior to me having an auto loan with Wells Fargo. In this verification letter, there is not XXXX account that I own that ends in XXXX. 

This connects to Wells Fargo having an internal banking error, that attempted to withdraw from an account that I have never owned, which has been confirmed by my bank, and is supported by the history of the XXXX payments made to the account from the checking account ending in XXXX. 

This bank error caused my credit score to drop by more than XXXX points, and the representative working on the account, and I would like the negative credit reporting as a result of this bank error reversed immediately.